What are the steps for filing for bankruptcy protection?

Filing for bankruptcy protection in the District of Columbia typically follows three major steps. First, an individual must choose and prepare the appropriate bankruptcy forms for their filing. Forms for Chapter 7, 11, 12, and 13 bankruptcies—the four major types of bankruptcy—are available online and must be joined with a filing fee and credit counseling certificate. As part of this step, debtors must also list all of their assets, debts, and income. Second, the debtor must attend a meeting of creditors with a court-appointed trustee. The creditor’s purpose is to verify the accuracy of the forms that were completed in the first step and to understand the motivations that drove the debtor to seek protection. Finally, the debtor must complete an approved credit counseling course prior to the discharge of the bankruptcy. During this course, the debtor will learn money management and budgeting skills in order to help them become financially stable. After the debtor has completed the steps, the court will review their case and decide if their bankruptcy is eligible for discharge. If granted, the individual will no longer be liable for any of their listed debts.

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What are the steps for filing for bankruptcy protection?

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