Bret Nason

Attorney at Law

Bret Nason

Attorney at Law

The Bankruptcy Process

If you decide to hire a bankruptcy attorney, you likely don’t care about the method the attorney uses to complete the paperwork or the number of documents that will be filed. You just want someone who will get results. My job is getting you through the process as quickly and efficiently as possible. But you don’t want to start down a path without knowing where it leads.

Here is a step-by-step roadmap of the process.


Contact me to set up a free initial consultation. This meeting will take about an hour. Tell me your situation and I’ll give you options for handling it. I’ll also tell you how much I’ll charge to represent you if you choose to hire me. I’ll offer you a fee agreement that you can take home to review before making any decisions. If you decide bankruptcy isn’t for you, this is the end of the process and you won’t owe me anything for the visit. If you decide to proceed, you’ll return the fee agreement to me and I’ll send you a worksheet to complete and a list of documents to gather.


Get credit counseling (45-60 minutes) as described HERE, complete the worksheet (60-90 minutes), and gather the requested documents.


Return the completed worksheet and other documents to me.


I’ll use the documents you provided to put your file together. When I’m finished, I’ll send you a letter or email asking you to call for an appointment to review and sign your paperwork. If I’m still missing anything, I’ll ask that you bring it along to the meeting.


Come to your appointment with the documents and information I requested. This appointment may take up to two hours, depending on the complexity of your case and the amount of additional information and documents I ask you to bring. After you sign your papers, I will file your case.


Once your case has been filed, I will send you a letter telling you about your first meeting of creditors, a/k/a §341 meeting. This meeting is mandatory. Missing it for any reason may result in your case being dismissed. We can’t schedule it for convenience, but you’ll have about a month’s notice so you can make the necessary arrangements with work, child care, school, etc.


Complete your pre-discharge counseling session, a/k/a debtor education (two hours).


I will meet you about 15 minutes before your §341 meeting to go over any questions you may have. After the meeting (which should take 10-15 minutes), you and I will review what took place and I’ll answer any questions. I will also tell you if we are required to supply any other information to the trustee. If so, you will have approximately one week to supply the documentation to me. If no other documentation is needed, you will likely be finished with the process.


I will send you a letter if the Court signs your order of discharge. This is typically routine, but I will let you know if anything is posing a problem. If you receive a discharge, you can expect my letter no sooner than 60 days from the date of your first meeting of creditors. (In Chapter 13, your discharge will be entered within a couple of weeks after your final plan payment.)

Ready to take the first step toward financial freedom?

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