An Overview of the Bankruptcy Process
All bankruptcy cases follow a similar process regardless of the chapter that is filed. The debtor must complete 2 counseling courses, complete and file a bankruptcy petition along with the required supporting documents and schedules, attend a trustee hearing and then wait for the discharge from the court. Chapter 13 cases require 2 additional steps. A debtor must prepare and file a repayment "Plan" showing how much of the debtor's unsecured debts will be paid. Then the debtor must attend a "Plan Hearing" where a judge will approve the "Plan."