Serrano Law Firm, LLC

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860 236-9350  ▪  800 856-6400

690 Flatbush Avenue, West Hartford, CT 06110-1308

27 Holmes Avenue, Waterbury, CT  203 756-6100

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690 Flatbush Avenue West Hartford, CT  06110-1308

860 236-9350             800 856-6400  toll free     860 523-9101  fax

27 Holmes Avenue Downtown Waterbury 203 756-6100

 

Filing Bankruptcy:  Checklists and Timetables

How to File Bankruptcy - Hartford, Waterbury Lawyers Filing Bankruptcy Deadlines - Hartford, New Britain, Manchester, CT

Checklist

Chapter 7 Timetable

Chapter 13 Timetable

Checklist

    To make your bankruptcy case go as smoothly as possible, please bring as much of the following information as you can to your first appointment.  You will need to provide us with all of this information before we can file your bankruptcy case.  (If you are facing immediate foreclosure, we may be able to file an emergency, "last minute" bankruptcy for you but this may involve additional fees.)

1.

  A sheet listing your monthly expenses.  You can use our online form to fill this out.

2.

  Documentation of all your debts, including mortgage and car loan statements, credit card statements, personal loan statements, furniture loans, student loans, tax bills, medical and dental bills, collection letters, for the last 3 months.

3.

  Monthly banking statements for all checking, savings, credit union, mutual fund, stock or other similar accounts for the last 6 months.

4.

  Utility bills (electric, gas, telephone, cable tv, cell phone, internet, water) for the last 3 months.

5.   Federal and state income tax returns for the last 4 years, including W-2's and 1099's.
6.   Paycheck stubs for the last 6 months.  If unavailable, a printout from your employer's payroll department.  If married, information for both husband and wife is necessary even if only one of you will be filing bankruptcy.
7.   Documentation of any other income received during the last 6 months, including Social Security Disability or SSI, unemployment or workers compensation, pension payments, rent from tenants, life insurance or inheritance proceeds, and lawsuit proceeds.
8.   Any contributions made during the last 3 years to pension, 401(k), SEP, IRA's or other similar retirement accounts.
9.   Copies of any lawsuits, judgments and court orders entered against you, including divorce, alimony and child support orders.
10.   Documentation of any prior bankruptcy filings, including discharge or dismissal notices, for the last 8 years..
11.   A list of all addresses for the last 3 years.
12.   Real estate closing papers for any home or other property you presently own.
13.   Purchase or sale closing papers for any property purchased or sold during the last 5 years.
14.   Any family court orders for child support, alimony, property division or debt payment that you are paying or receiving. 
15.   Statements for any individual education retirement accounts for the last 3 years.

 

 

    The following timetables explain what needs to be done to successfully complete your bankruptcy case.  For more information, see the pages about Chapter 7 Bankruptcy and Chapter 13 Bankruptcy.

 

Chapter 7 Bankruptcy Timetable File Bankruptcy. Chapter 7. Debt Relief. Hartford, Waterbury, New Britain.

Time / Deadline

What Needs To Be Done

During the 6 Months Before Filing.

  Undergo Credit Counseling.

  File any tax returns that you have not yet filed.

30 to 60 Days Before Filing.

  Talk to a lawyer.

  Sign Fee Agreement with lawyer.

  Read 527(a) and 527(b) disclosures.

  Decide whether to file Chapter 7 or Chapter 13 bankruptcy.

  Get the documents listed in the checklist at the top of this page ready.

  Get together the filing fee and attorneys fees.

  Decide if you want to keep property that you are making payments on, such as your home or a car.

File Bankruptcy.

  File (in all cases except "last minute" filing):

    1)  Petition.

    2)  List of all creditors.

    3)  Statement of Social Security Number.

    4)  Certificate of Credit Counseling.

    5)  Disclosure of Compensation for Attorney.

    6)  Schedules.

    7)  Statement of Financial Affairs.

    8)  Statement of Current Income and Means Test.

 

  File ("last minute" cases):

    1)  Petition.

    2)  List of all creditors.

    3)  Statement of Social Security Number.

    4)  Certificate of Credit Counseling.

    5)  Disclosure of Compensation for Attorney.

   

  Double check that all the information on your bankruptcy paperwork is correct and complete.  Sign the forms.

  Pay Filing Fee of $299

15 Days After Filing

  File documents to complete "last minute" cases:

    1Schedules.

    2Statement of Financial Affairs.

    3Statement of Current Income and Means Test.

30 Days After Filing

  File Statement of Intent as to redeeming, reaffirming or surrendering property that you are making payments on.

1 Week Before Meeting of Creditors

  Provide trustee with copies of tax returns and 60 days of pay stubs.

About 45 Days After Filing

  Attend the Trustee Interview at the Meeting of Creditors

45 Days After the Meeting of Creditors

  Follow through with your Statement of Intent by redeeming, reaffirming or surrendering property that you are making payments on.

Before Discharge

  Complete Personal Financial Management Instructional Course

About 3 Months After Filing.

  Receive your Discharge.

 

 

 

Chapter 13 Bankruptcy Timetable Filing Bankruptcy. Chapter 13. Relief Debt. Enfield, Meriden, Middletown, CT

Time / Deadline

What Needs To Be Done

During the 6 Months Before Filing.

  Undergo Credit Counseling.

  File any tax returns that you have not yet filed.

30 to 60 Days Before Filing.

  Talk to a lawyer.

  Sign Fee Agreement with lawyer.

  Read 527(a) and 527(b) disclosures.

  Decide whether to file Chapter 7 or Chapter 13 bankruptcy.

  Get the documents listed in the checklist on this page ready.

  Get together the filing fee and attorneys fees.

  Decide if you want to keep property that you are making payments on, such as your home or a car.

File Bankruptcy.

  File (in all cases except "last minute" filing):

    1)  Petition.

    2)  List of all creditors.

    3)  Statement of Social Security Number.

    4)  Certificate of Credit Counseling.

    5)  Disclosure of Compensation for Attorney.

    6)  Schedules.

    7)  Statement of Financial Affairs.

    8)  Statement of Current Income and Means Test.

 

  File ("last minute" cases):

    1)  Petition.

    2)  List of all creditors.

    3)  Statement of Social Security Number.

    4)  Certificate of Credit Counseling.

    5)  Disclosure of Compensation for Attorney.

 

  Double check that all the information on your bankruptcy paperwork is correct and complete.  Sign the forms.

  Pay Filing Fee of $274

15 Days After Filing

  File documents to complete "last minute" cases:

    1Schedules.

    2Statement of Financial Affairs.

    3Statement of Current Income and Means Test.

30 Days After Filing   Make your first Plan Payment.
1 Week Before Meeting of Creditors

  Provide Trustee with copies of tax returns and 60 days of pay stubs.

About 45 Days After Filing

  Attend the Trustee Interview at the Meeting of Creditors

Before Confirmation Hearing

  Obtain a court order concerning the fair market value of real estate for any mortgages which you are attempting to cram down.

  File any amendments to your Plan.

  Make sure you are caught up on your post bankruptcy mortgage payments, your Plan Payments, and any priority debts (such as alimony, child support and taxes).

Attend the Confirmation Hearing   Appear at court to have your plan approved by the judge.
During the 3 to 5 Years After Filing

  Complete your Plan Payments.

Before Discharge

  Complete Personal Financial Management Instructional Course

3 to 5 Years After Filing

  Receive your Discharge.

 

When You Need a Connecticut Bankruptcy Lawyer,

Rely on Us for Skill, Determination and Experience.

Connecticut Debt Relief By Filing Bankruptcy

Congress has designated the Serrano Law Firm a debt relief agency.

We help people file for debt relief under the Bankruptcy Code.

Spanish Spoken  Hartford Bankruptcy Abogados, Bristol, Meriden, Manchester, Norwich

Hablamos Espanol  CT Spanish Bankruptcy Lawyer, Hartford, Waterbury, New Britain, Willimantic

Go To BANKRUPTCY Home Page

 

Attorney John Serrano - Personal Injury, Social Security Disability, Divorce, Bankruptcy, Immigration, Workers Compensation.  Hartford, Waterbury

Please note that our law firm's website is designed to provide only general legal information.

This information is not intended to be legal advice for your individual situation.

Call us for personal injury, Social Security, divorce, bankruptcy, immigration, workers compensation and criminal cases.

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