Here is what must be taken care of in the first 15 days of your Chapter 7 case. This is the bare minimum, depending on your circumstances additional filings may be required.

1. Filing Fee of $245. This must be paid when your case is filed, unless you file a request for installment payments or a waiver.
2. Administrative fee of $39 and trustee surcharge of $15.
3. Voluntary Petition. Names and addresses of all creditors of the debtor. These documents must be filed WITH the petition.
4. Notice to Individual Debtor with Primarily Consumer Debts under 11 U.S.C. § 342(b). Your Woodlands Bankruptcy Attorney must give you this notice before your case is filed and it must be certified on your original petition or within 15 days.
5. Statement of Social Security Number. This must be submitted with the original petition.
6. Individual Debtor’s Statement of Compliance with Credit Counseling Requirement. Exhibit D must be filed with your petition. The certificate itself can be filed with the petition or within 15 days.
7. Statement of current monthly income. This must be filed with the petition or within 15 days.
8. Schedules of assets and liabilities. This must be filed with the petition or within 15 days.
9. Schedule of executory contracts and unexpired leases. This must be filed with the petition or within 15 days.
10. Schedules of current income and expenditures. This must be filed with the petition or within 15 days.
11. Statement of financial affairs. This must be filed with the petition or within 15 days.
12. Copies of all payment advices or other evidence of payment received by the debtor from any employer within 60 days before the filing of the petition. These must be filed with the petition or within 15 days.

Get Help

The Woodlands Bankruptcy Attorney is here to help you get through the bankruptcy process and protect your rights to the fullest extent. Don’t risk the judge dismissing your case because you missed a deadline. Get help today.

LoneStarBankruptcy.com provides the latest news and information on Chapter 7 and Chapter 13 bankruptcy in the Southern District of Texas. The Federal Bankruptcy Court for the Southern District of Texas covers many communities including: Houston, Spring, Conroe, The Woodlands, Montgomery County, and Harris County. If you need legal assistance with a personal bankruptcy matter speak with a local bankruptcy attorney today.

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An individual must receive credit counseling from an approved nonprofit agency during the 180 days before filing a bankruptcy petition. If you want to meet this requirement and keep your case from being dismissed:

1. Do not submit a bankruptcy petition 181 days after credit counseling;
2. Do not skip credit counseling;
3. Do not plan to complete credit counseling after filing your petition.

The only exception to the requirement of completing credit counseling before qualifying for bankruptcy protection is if you can satisfy the court that you have exigent circumstances and the court approves a waiver.

If you fail to meet the credit counseling requirement, then you remain vulnerable to your creditors (and any time or money you spent preparing the petition would be a waste). The Bankruptcy Court for the Southern District of Texas has previously considered this provision of the bankruptcy code and has determined that cases with this flaw should be dismissed – leaving the petitioner with no bankruptcy protection.

This is an example of one of the mistakes a Woodlands Bankruptcy Attorney can help you avoid. When you need bankruptcy protection, get it done right the first time.

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