Below is a basic time line for a typical Chapter 7 Utah bankruptcy case. This time line does not include all of the minor deadlines and events that need to occur but it does list all of the major events that transpire in a typical Chapter 7 case. A competent Utah bankruptcy attorney will be able to assist the debtor throughout this entire process. Call Justin M. Myers today to discuss your Chapter 7 options today.
- Pre-filing Credit Counseling Class—This is a basic credit counseling class that must be taken by debtors prior to the filing of the case. This class in usually taken online or over the phone but can be taken in person as well.
- Petition Date—This is the date the debtor files the bankruptcy case with the Utah Bankruptcy court. The debtor is required to file all of the required documents and schedules with the Court within a certain time frame or the case may be dismissed. A Chapter 7 trustee is assigned to the case. Once the case is filed, all creditors must immediately stop all collection activities against the debtor.
- Post-petition Personal Financial Management Course—This is a class that debtors are required to take after the bankruptcy petition has been filed. This class also needs to be taken within 45 days after the 341 Meeting takes place. If the debtor fails to take this class on time the debtor will not receive a discharge in the case. This class is usually taken online or over the phone, but it too can be taken in person.
- Notice of 341 Meeting Mailed to Creditors—Notice of the Utah bankruptcy filing and details about where and when the 341 Meeting will take place sent approximately 10-14 days after petition date. This notice is mailed to all the creditors that were listed in the debtor’s bankruptcy schedules.
- 341 Meeting—This meeting occurs approximately 30-45 days after the petition date. This is also called the Meeting of Creditors. It is conducted by a Utah Chapter 7 trustee and the debtor is required to attend the meeting. The debtor’s attorney also attends the meeting with the debtor. It is important that the debtor comply with all of the Utah Chapter 7 trustee’s requests in a reasonable manner. If the debtor fails to comply with the trustee’s requests, the debtor may not obtain a discharge in the case.
- Discharge—A bankruptcy discharge is granted approximately 60 days following the 341 Meeting. Unless otherwise ordered by the bankruptcy court, the debtor’s discharge is generally always granted so long as all of the proper paper work has been filed with the court. It can be revoked at a later date for various reasons.
- Closure of the Case—after the discharge is granted and a Utah Chapter 7 trustee files his or her final report in the case, the case is closed.