Just before we can file your case you will be required to receive an outside independent credit counseling session from a government approved credit counseling agency. Credit counseling is not a problem. It is not a screen. You are not graded. You do not pass or fail, it is just something that is required so you can receive a certificate of counseling, which we must have in order to file your case.
What follows next is very simple. You are required to do a second course, this one is about personal financial management. This can be done online or over the telephone.
After that is completed the main task left is your attendance at the Meeting of Creditors. This will take place at the federal court house in Greenville, TN. This meeting is not going to court, you are not appearing in a courtroom, and you are not appearing in front of a judge. Your meeting of creditors takes place in ta meeting room in the federal court house. Although your creditors are invited to come, few creditors actually show up. In your case we would be able to predict whether or not any particular creditor would come to the meeting. What you are there for is to be interviewed by an attorney called the bankruptcy trustee. This persons job is to review the information you have submitted and determine if you have too many assets. This is also the person who decides if you have any surplus wealth, and it is their job to sell these items and raise money to pay your creditors. In most cases there is no surplus wealth to be distributed to creditors. For most of my clients this meeting and the interview is relatively brief.