Total Timeline
3-4 months from filing
From initial consultation
Total Costs
$2,118
Including all fees
Current Stage
Step 2 of 9
Document Collection
Process Timeline
Click on any event for detailed information and tasks
Attorney ConsultationCompleted
Initial meeting to discuss your financial situation and bankruptcy options
Completed
Document CollectionCurrent
Gather all required financial documents and information
7-14 days
Missing documents will delay filing
Ensure all creditors are listed
Credit Counseling Course
Complete mandatory pre-filing credit counseling
1 day
$15
Must be completed before filing
Certificate valid for 180 days
Pay Attorney Retainer
Submit initial retainer payment to begin petition preparation
Upon document submission
$500
Review & Sign Petition
Meet with attorney to review and sign bankruptcy petition
5-7 days after retainer
$1250
Review every detail carefully
All debts must be listed
Case Filed with Court
Bankruptcy petition officially filed with the court
Same day as signing
$338
Automatic stay stops collections immediately
Do not incur new debt
341 Meeting of Creditors
Attend mandatory meeting with bankruptcy trustee
20-40 days after filing
Attendance is mandatory
Be honest and direct in answers
Dress professionally
Financial Management Course
Complete mandatory post-filing financial education
Within 60 days of 341 meeting
$15
Must complete before discharge
Failure to complete prevents discharge
Discharge Order
Court issues order discharging eligible debts
60-90 days after 341 meeting
Some debts are non-dischargeable
Student loans typically not discharged