What Needs To Be Done Prior To Filing For Chapter 13?

Before you can file for Chapter 13 bankruptcy protection, you must have provided information to your attorney, reviewed the prepared petition and signed the petition in the numerous locations indicated throughout the document.

Additionally, you must have completed a credit counseling session within 180 days of filing the petition. This credit counseling session can be taken in person, on line or over the telephone. The approximate cost is $50.00 per person or household and the session can last anywhere from one to two hours. You must take the credit counseling from an agency approved under the U.S. Bankruptcy Code.

Lastly, you should have six months of pay advices and four years of filed tax returns prior to filing. That information should have been provided to your attorney prior to the preparation of your petition for relief.