Questions About Bankruptcy

today to set up an appointment or you may choose online counseling.

Prior to discharge, you will also need to complete a Pre-Discharge Debtor Education Course. Depending on how you prefer to receive the education, CCCS administers this course for $35 - $75.

Do I need to go to court to file?
Yes. You will need to attend a "Meeting with the Creditors." This could last less than an hour through Chapter 7 to an entire day through Chapter 13.

How long will bankruptcy show on my credit report?
References to bankruptcy filing will remain on your credit report for seven to ten years after you've completed the process. It is likely that during the first year, you may find it very difficult to obtain credit. It does get easier though. You should consider waiting at least a year, preferably longer, before you make a large purchase on credit. You will save a tremendous amount of interest.

How much is the bankruptcy filing fee?
Depending on your financial circumstances, you may be able to pay the filing fee in installments or have the fee waived. The court makes the determination.
Chapter 7: $299
Chapter 13: $274

What are some of the restrictions on multiple bankruptcy filings?
If filing for Chapter 7:

• Can't file within 8 years of filing a previous Chapter 7
• Can't file within 6 years of filing an earlier Chapter 13

If filing for Chapter 13:

• Can't file within 4 years of filing a previous Chapter 7
• Can't file within 2 years of filing an earlier Chapter 13