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Kovacs Law, P.C. Kovacs Law, P.C.
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The Process Dedicated to Helping People Get a Fresh Start

Worcester Bankruptcy Lawyer

How Does the Bankruptcy Process Work?

Much of the fear or apprehension of bankruptcy comes from not understanding what the process involves and how it is actually administered. The bankruptcy process for Chapter 7 is as follows:

  • Meeting with a well-qualified bankruptcy attorney
  • Taking a credit counseling course within 180 days of filing
  • Providing to your attorney your financial records
  • Filing your petition, schedules, and Statement of Financial Affairs with the bankruptcy court - at this point, the automatic stay keeps your creditors or debt collectors from continuing their collection actions against you , including stopping phone calls, collection letters and even stopping foreclosure the same day
  • Meeting with your bankruptcy trustee
  • Attending a creditor meeting - this meeting allows your creditors to voice any objections about the discharge of your debt (for example, if they believe you are committing fraud in filing for bankruptcy). If an objection is filed, there will be a trial, though it is possible to avoid that by settling the case.
  • Taking a financial management course
  • Discharge of your debt - this typically occurs 75 days after you have filed your petition

The bankruptcy process for Chapter 13 includes:

  • Meeting with a well-qualified bankruptcy attorney
  • Taking a credit counseling course within 180 days of filing
  • Providing to your attorney your financial records
  • Filing your petition, schedules, tax returns, and Statement of Financial Affairs with the court
  • Filing your payment plan with the court
  • Meeting with your bankruptcy trustee
  • Addressing any objections to your plan by creditors
  • Attending a plan confirmation meeting
  • Making your payments - the first payment of your payment plan is due within 30 days of your case being filed
  • Discharge of your debt - This occurs at the termination of your payment plan. Discharge typically takes between three to five years for bankruptcy cases.

If you require further information about the bankruptcy process, contact a lawyer right away.

Legal Help for Chapter 7 and Chapter 13 Bankruptcy

At Kovacs Law, P.C., we provide guidance and support in a variety of bankruptcy cases, including those involving Chapter 7 and Chapter 13 filings. Our substantial knowledge of bankruptcy law allows us to make bankruptcy a swift and relatively pain-free proposition for our clients. If you are considering bankruptcy, contact our offices, and we will review your financial situation in order to help you come to a decision regarding whether or not to file.

Considering bankruptcy? Contact an attorney who can provide you with information about what the process involves.

Divorce & Family Law
We're also available to help you and your family overcome complex legal cases. Our team has decades of experience navigating cases involving divorce, child custody, spousal support, and other family law matters.
Go to our Family Law Site

Real Stories From Real People

Hear It Directly From Our Clients
    I would recommend him to anyone.
    “Bankruptcy expert very easy to deal with, friendly service, took care of all Communication and scheduling with the courts. I didn’t have to deal with anyone but him. I really enjoyed dealing with him.”
    - Colin D.
    Extremely professional, supportive, and worked diligently!
    “If you need someone to be straight forward with you, tell you like it is, and help guide you through the bankruptcy process, this is the guy. We are very thankful!”
    - Christina P.
    Very professional and thorough!
    “Very thankful to Robert and his office staff. Very professional and thorough and I would highly recommend Kovacs Law, P.C.”
    - Michael K.
    The year process was easy and stress free and he helped us in every way.
    “Mr. Robert Kovac did an excellent job with my parents bankruptcy case. The year process was easy and stress free and he helped us in every way.”
    - Carolina R.
    He takes his time and puts you at ease.
    “Due to Robert's compassion, I no longer have the stress and worry about my finances. Thank you, Robert, for giving me my life back!”
    - Lynn C.
    Would recommend, 100%.
    “He walked me through the bankruptcy steps slowly and answered all of my questions. Even on days he was clearly extremely busy, I never felt rushed with him. Would recommend, 100%.”
    - Nina G.
    He has lots of knowledge and experience in the process.
    “His very attentive and shows empathy towards his clients and does not treat you just like another case load.”
    - Nuh M.
    Everything was complete on trip one! What a relief.
    “Robert Kovacs and his firm did a thorough job and I was completely satisfied with him and his staff. He handled all the details and there were no surprises.”
    - Elizabeth
    From the time I started my process to the time it was finished I was always treated with respect and consideration.
    “From the time I started my process to the time it was finished I was always treated with respect and consideration.”
    - Former Client

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