Bankruptcy Attorney | The Bankruptcy Process Explained


Bankruptcy Attorney | Five basic steps involved in filing bankruptcy from top bankruptcy attorney in Kern County is as follows:

1. My office will require you to complete an initial consultation (with me personally) and to fill out a comprehensive questionnaire giving me all of the necessary information to prepare your bankruptcy filing.

2. Once your documentation has been completed and reviewed, and you have completed your 1st credit counseling course and signed off on the documents, it will then be submitted to the Court.

3. You will take your second credit counseling course.

4. Approximately 45 days after your case is filed, you will attend a meeting of creditors, where you will then be asked questions about your assets and liabilities. I attend the meeting of creditors with you. If your case is a no-asset case, approximately one week later, the trustee’s office will file a Notice of No Distribution.

5. The trustee and/or creditors have 30 days to object to your claims of exemption and to object to a determination of non-dischargebility of debt after the conclusion of your meeting of creditors.

Approximately two and one half months after your meeting of creditors you will then receive your discharge.

He is a long-time member of the Bankruptcy Dispute Resolution Panel for the United States Bankruptcy Court, Eastern District of California.

A native Californian, Mr. Gardner graduated from the J. Reuben Clark School of Law, BYU, in 1987. Personal interests include family, the Dodgers and playing guitar/bass. He has lived and worked in Bakersfield for most of his life.

Give us a call, and together we can determine whether bankruptcy is the right choice for you, and which chapter under the Bankruptcy Code would provide you with the most relief. To schedule a free consultation with a knowledgeable bankruptcy attorney in Kern County, feel free to call our office today at 661-888-4335.