Filing for bankruptcy is the hardest part. So, you can say, in case of bankruptcy, it is the first step that is the hardest. Once you hire a bankruptcy lawyer, you need not worry about it. He or she will help you fill all the forms correctly and completely. It is important to double check to make sure everything is correct and nothing is omitted. Now, what’s next? Three things happen immediately after you file for bankruptcy. 1. You get a case number Soon after you file the petition, you receive your case number. If you filed the case in 2019, usually, the first two digits are 19, followed by your case number. For example, 19-28979. Case number is important. You will need to provide this number for future documents associated with your case. 2. You get court-appointed trustee Shortly after you file for bankruptcy, the court appoints a trustee for your case. He or she will oversee your case. You are now in the hands of this trustee, who will keep a track of all your financial moves. So, beware if you are hiding some property or planning to transfer it to somebody’s name discreetly! This is a wrong legal move and can complicate your case. Your local bankruptcy lawyer in Maryland will already warn you against such moves. Your trustee will send you important mails related to your case. Make sure you don’t miss any of the mail. You may have to submit documents like pay stubs, tax returns, and bank statements to them. It is important to provide all the requested documents to your trustee for proper discharge of debts. 3. You get creditor protection As soon as you file for bankruptcy, you immediately come under the protection of law. Your creditors cannot call you, sue you, or take any kind of action against you to collect payments. What a relief! In case a creditor contacts you, simply give them your case number. They won’t call you again. In case of wage garnishment, the court notifies the creditor about your bankruptcy declaration and asks them to suspend garnishing your wages. Also, you are free from the ‘headache’ of dealing with creditors. Your lawyer will now handle all creditor negotiations. He or she will also make sure you get your case number, your trustee, and creditor protection immediately after filing for bankruptcy. This is only the beginning. With the best local bankruptcy lawyer in Maryland by your side, you can take each legal step with care and precision and, ultimately, get your case successfully discharged.
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