The general answer is that most people who file for Bankruptcy protection under either Chapter 7 or Chapter 13 typically never have to go to Court or to appear in front of a judge.
Clients come in to us worried that an angry judge will question them as to why they do not have the ability to pay their bills. That is not at all what happens in the bankruptcy process.

You need to answer a series of questions and supply the information we need to fill in the forms so that we can proceed with a bankruptcy filing. Your Petition will be reviewed for accuracy at a short meeting called a meeting a creditors at which the trustee reviews the petition with you to determine the information that you supplied is accurate.

Our typical client is surprised at how short the meeting takes compared to how long he or she expects it to take. Our clients are quite happy at how smoothly the process goes when they are represented by an experienced bankruptcy attorney. The important point is that the information you need to supply should be accurate so that your case can proceed smoothly.For most clients filing for bankruptcy protection under either Chapter 7 or Chapter 13, you need only appear briefly at a meeting of creditors. This does not take place in Court or before a judge. As mentioned above, for the great majority of our clients, they never need to appear in Court or in front of a judge.

The Law Offices of David M. Offen have helped thousands of individuals and families go through the bankruptcy process.