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What You Can Expect At A Bankruptcy Hearing

By M. Stan Herring

The Birmingham Bankruptcy Blog has posted a helpful article that lists 10 things you need to know about your bankruptcy court hearing.

1. Don't expect to be seeing a judge. Instead, a "Bankruptcy Trustee" will ask you a few simple questions at the hearing. Actually, if you file Chapter 7 bankruptcy, it's likely that you'll never see a judge.

2. Your bankruptcy hearing lawyer will be at the hearing with you the whole time to guide you through and make sure everything runs smoothly.

3. You should only be at court for about an hour. Most of that hour will be spent waiting for your hearing, which will only last for a few minutes.

4. Matthew A. Dunaway, writer of the article, assures that "no one is going to be rude or mean to you."

5. It's unlikely that your creditors will be at the hearing. It's possible that a secured creditor could show up to see if you want to reaffirm the debt or not.

6. "Travel light" as you'll have to walk through metal detectors.

7. Be sure to bring a picture ID.

8. Don't bring any guns, knives, etc. or anything else that could potentially be used as a weapon...even a nail file.

9. Dress normally. There's no need to be dressed up like the hearing is a formal event, but it's not a party either.

10. One of the most important things you can do is relax. If you've been honest with your bankruptcy attorney then everything should run smoothly and without any problems or surprises.

If you have further questions or concerns about bankruptcy, feel free to contact us through our website or by calling 205-879-2447. You may also obtain a copy of our free book on stopping wrongful foreclosures and the problems of hidden fees by emailing us.

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Full post as published by Alabama Consumer Blog on January 05, 2011 (boomark / email).