I SIGNED THE PAPERWORK TO FILE BANKRUPTCY, NOW WHAT?
You have signed the paperwork, now what is going to happen? Whether you are filing a Chapter 7, 11 or 13 the next step is the same. The next thing you want to hear, is the answer to the question, what the case number of your case? Just because you have signed the paperwork does not mean your case is filed.
Once your case is filed, the Bankruptcy Court will give your case a case number. When a creditor calls you, the creditor will ask, what is the case number. You should have this number with you at all times as creditors will sometimes contact you weeks after the case is filed and the creditor will claim that it has not received your case number.
If the creditor says that it has not received notice of your filing, be sure to ask what is the address that notice should have been sent for notice to be received by the creditor by mail. You should always check your schedules and make sure that any creditor who calls you after you file is actually listed on your schedules. Most creditors will not risk violating the automatic stay by contacting you once your case is filed.
If you receive a letter or a call from a creditor after your case has been filed for 14 days, there may be a problem. Make sure you contact your attorney and let the attorney know who is contacting you.
Remember: A CREDITOR WHO IS NOT MADE AWARE OF THE FILING OF YOUR CASE MAY NOT BE DISCHARGED YOU FINISH YOUR CASE.