Make an appointment and bring your minimum $200 attorney fee in check, cash or money order to our office along with all your past due bills, pay stubs for the last 6 months, and your tax returns for the last two years. Tri merge credit reports are available in my office if you don’t know all of your creditors.
Immediate protection from your creditors is complete upon filing your petition. In the case of a Chapter 7 petition, your unsecured debts are almost always legally discharged 90 days after your petition is filed.