Filing for bankruptcy is a very ‘front-loaded’ process for most people – essentially the pre-filing period where all your information is gathered and analyzed by your attorneys is a lot of work (for you and us) and filing your petition itself is simply a couple of mouse-clicks on our end.  Now, that your petition has been filed, you know that your creditors’ meeting will be coming up soon, and that’s probably about all you know. 

Once your petition is filed, the bankruptcy court will mail out a notice of filing to all of your creditors.  This puts them on notice that you are protected by the federal bankruptcy laws from their efforts to collect, at least until further notice.  Your trustee will also mail something out, but not to your creditors – he or she will mail something to YOU. 

In preparation for your creditors meeting, the trustee assigned to your case will send you a letter, some kind of questionnaire and a request for documents.  It is your duty, under the bankruptcy code, to respond to the trustee’s requests.  If the trustee does not receive your response at least 10 days before your creditors meeting, he can dismiss your case or continue your creditors meeting, thereby delaying your discharge.  Most law firms, including Marco | Wimmer PLLC will assist you and guide you in this process, to make sure all t’s are crossed and all i’s are dotted.

The Trustee’s request will be your main project between your filing and your creditors meeting.  You may also want to go ahead and complete your financial management course during this time.  You don’t have to complete this course before your creditors meeting, but you can.  I typically recommend this, because then, once your creditors meeting is done, YOU are done and simply wait for the trustee to recommend your discharge and administer your assets, if there are any.