Bankruptcy is a process that runs through and is supported and protected by United States Federal Court system; however, many people who file don't spend much time in court.
There are 94 federal judicial districts located throughout the U.S., and consumers are required by law to file in the state where they currently reside.
Filing for bankruptcy is largely an administrative task, with documents and motions to be filed and turned in to the proper offices in a district bankruptcy court.
Bankruptcy can be an intimidating process, especially for those who are unfamiliar with the legal system. For more information on what to expect when filing bankruptcy, arrange a free case evaluation. Learn how a bankruptcy attorney can help you along the way. Simply fill out the form below to get started for free right now.
Instead of a judge, most of your bankruptcy court dealings will be with a bankruptcy trustee. In most cases, a judge will only make ruling if there are questions about your eligibility to file or to discharge certain debts.
In typical Chapter 7 bankruptcy filings, you won't need to appear before a judge. For a routine Chapter 13 bankruptcy case, you would only appear before a bankruptcy judge to confirm your secured debt repayment plan.
During your case, you will meet with a bankruptcy trustee at least once. The "meeting of creditors," also know as the "341 meeting," is an opportunity for creditors to ask questions about your debt.
You may meet with your bankruptcy trustee on other occasions, depending on the circumstances of your case. The trustee's offices may be located in a bankruptcy courthouse, but again, these meetings will be in a private office, and not a courtroom.Speak with a Bankruptcy Lawyer Today
While bankruptcy court is a division of the federal court system, each state has their own bankruptcy laws. You will need to work through the court in the state you are filing bankruptcy in. Bankruptcy courts are divided into districts, and each state has multiple districts.
For information on which bankruptcy district you live in, visit one of the districts below:
In a 1934 Supreme Court decision on bankruptcy, the court wrote:
It gives to the honest but unfortunate debtor a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt.
*As quoted by US Courts' "Bankruptcy Basics" booklet.
PAID ATTORNEY ADVERTISEMENT: THIS WEB SITE IS A GROUP ADVERTISEMENT AND THE PARTICIPATING ATTORNEYS ARE INCLUDED BECAUSE THEY PAY AN ADVERTISING FEE. It is not a lawyer referral service or prepaid legal services plan. Total Bankruptcy is not a law firm. Your request for contact will be forwarded to the local lawyer who has paid to advertise in the ZIP code you provide. Total Bankruptcy does not endorse or recommend any lawyer or law firm who participates in the network nor does it analyze a person's legal situation when determining which participating lawyers receive a person's inquiry. It does not make any representation and has not made any judgment as to the qualifications, expertise or credentials of any participating lawyer. No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. The information contained herein is not legal advice. Any information you submit to Total Bankruptcy does not create an attorney-client relationship and may not be protected by attorney-client privilege. Do not use the form to submit confidential, time-sensitive, or privileged information. All photos are of models and do not depict clients. All case evaluations are performed by participating attorneys. An attorney responsible for the content of this Site is Kevin W. Chern, Esq., licensed in Illinois with offices at 25 East Washington, Suite 400, Chicago, Illinois 60602. To see the attorney in your area who is responsible for this advertisement, please click here, or call 866-200-8052.
FLORIDA ONLY: Total Bankruptcy is considered a lawyer referral service in the state of Florida under the Florida Rules of Professional Conduct. By all other standards, Total Bankruptcy is a group advertisement and not a lawyer referral service.
If you live in Mississippi, Missouri, New York or Wyoming, please click here for additional information.
By an Act of Congress and the President of the United States, we are a federal Debt Relief Agency. Attorneys and/or law firms promoted through this Web site are also federally designated Debt Relief Agencies. They help people file for relief under the U.S. Bankruptcy Code. Disclosures Required Under the U.S. Bankruptcy Code.