How to Fill out Bankruptcy Forms Towson, MD
Accurately File Bankruptcy Forms with Legal Assistance If you want to know how to file for bankruptcy, it is worth noting that you should also know how to fill …
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Welcome to the Grafton Firm family. We are looking forward to helping you on the path to financial freedom. This site will serve as a useful guide during your bankruptcy journey.
If you need help, the fastest way to get answers from Mr. Grafton and our senior staff is to email [email protected]
You can also call our VIP Number — (410) 870-9315
Towson Maryland Bankruptcy Attorneys
Before Your Case is Filed
Chapter 7 – After Your Case is Filed
Chapter 13 – After Your Case is Filed
After Your Bankruptcy Discharge
Before Your Case Is Filed
3 Steps to Get Your Case Filed FAST
- Keep up with your payment plan. You can go to payment.graftonfirm.com at any time to make a payment. All pre-filing attorneys’ fees must be paid before we can file your case. Especially in Chapter 7, we’re not allowed to be a creditor when we file your case – it’s a conflict of interest.
- Get us your documents. To prepare your bankruptcy petition, we need to know a lot more about you. The only way we can do that is to review key documents that only you have. Here is the Document Checklist to help you keep track of what you need to find. Remember, you can email your documents to [email protected] or drop them off at our office at any time. There is also an after-hours or no-contact drop box outside of our suite for your convenience.
- Take your Credit Counseling Class. Click here to go to Cricket Debt Counseling and enter our attorney code: 196327. Everyone who files bankruptcy is required to take this class.
Helpful Documents
- Document Checklist
- Bankruptcy Questionnaire
- Credit Counseling Course Information
- Credit Debt Course
- Collection Call Log
- Required Disclosures
What to do if Creditors Call
Tell them to leave you alone! Let them know that you hired the Grafton Firm to file for bankruptcy. Give them our phone number (410-870-9315). We’ll take it from there. You should not be bothered by creditors anymore. You can use this Collection Call Log to help you keep track of phone calls.
Chapter 7 – After Your Case is Filed
2 Steps to Complete Your Chapter 7 Case
- Complete the Post-Filing Financial Management Course. Go to SolidStartFinancial.com and enter our attorney code: 196327. Everyone who files bankruptcy is required to take this class after they filed. This is the “Second Course”.
- Attend your 341 Meeting of Creditors. We will send you the date and time of your required meeting. You must attend this meeting before the Bankruptcy Trustee. We cannot reschedule this meeting. This meeting may be held virtually (by phone or video conference) or in-person at the United States Courthouse in downtown Baltimore.
- Click here for a list of Trustees and their 341 Meeting information
- Click here for a list of questions you might be asked at your 341 Meeting
- Click here for directions to the U.S. Courthouse
- Click here for Questionnaires Your Trustee may Ask You to Fill Out
- Click here to go to Solid Start Financial to take the required 2nd counseling course
What to do if Creditors Call
Tell them to leave you alone! Let them know that you filed for bankruptcy. Give them the case number and our phone number (410-870-9315). We’ll take it from there. You should not be bothered by creditors anymore. You can use this Collection Call Log to help you keep track of phone calls.
A Note about the Financial Management Course (2nd Course)
You are required to take a 2nd counseling course, like the one you took before your case was filed. You can take this class at Solid Start Financial. Just enter our attorney code: 196327.
No matter when you take this class, we will not file your certificate of completion until the due date. This is to protect you and all of your rights and options in bankruptcy.
You will get a warning letter from the Clerk’s office a few weeks before this deadline. Click here to see what that letter looks like. Don’t worry. If you have taken the class through Cricket, we have your certificate and will file it on the due date. You do not need to call us when you get the Clerk’s warning letter so long as you’ve taken the class. We have you covered!
Chapter 13 – After Your Case is Filed
5 Steps to Complete Your Chapter 13 Case
- Make your required plan payments on time. Your first payment to the Bankruptcy Trustee is due within 30 days after your case is filed. Click here for payment information for your Trustee.
- Make any required direct payments on time. You may be required to pay certain creditors directly (i.e., not through your bankruptcy plan). This happens a lot with car and house payments. When you signed your bankruptcy petition and plan, we went over this. You will also get a letter and email from us with these details.
- Attend your 341 Meeting of Creditors. We will send you the date and time of your required meeting. You must attend this meeting before the Bankruptcy Trustee. We cannot reschedule this meeting. This meeting may be held virtually (by phone or video conference) or in-person at the United States Courthouse in downtown Baltimore.
- Attend your Confirmation Hearing (if needed). If you are up-to-date on all of your required payments, we may be able to get your case confirmed without you having to attend this hearing. We will call you the day before your hearing to let you know whether you need to attend.
- Complete the Post-Filing Financial Management Course. Go to Solid Start Financial and enter our attorney code: 196327. Everyone who files bankruptcy is required to take this class after they filed. This is the “Second Course”. There is no rush to take this course. It just needs to be done before your plan is complete (remember, most plans are 3 to 5 years long).
How to Make Plan Payments
Each Chapter 13 Trustee has different payment methods. Your case will be assigned to a Trustee within a day or two of the case being filed. As soon as we know who your Trustee is, we will send you a letter, email, and text message with that information.
Remember, your first plan payment is due within 30 days after your case is filed. Missing a plan payment can cause your case to be dismissed. Let us know right away if you’re having trouble making your payments.
Here is the payment information you need:
Trustee: Robert Thomas
Online: www.TFSBillPay.com
Click the Sign-Up Today, create an account, then enter your payment information
By Mail:
Robert S. Thomas, II Trustee
P.O. Box 1838
Memphis, TN 38101-1838
Put your case number on the check or money order. Do not send cash.
Trustee: Rebecca Herr
Online: www.ch13md.com
Click the ePay tab, then click “Click Here to Make a Payment,” then enter your payment information
By Mail:
Rebecca A Herr Trustee
P.O. Box 853
Memphis, TN 38101-0853
Put your case number on the check or money order. Do not send cash.
A Note about the Financial Management Course (2nd Course)
You are required to take a 2nd counseling course, like the one you took before your case was filed. You can take this class at Solid Start Financial. Just enter our attorney code: 196327.
No matter when you take this class, we will not file your certificate of completion until the due date. This is to protect you and all of your rights and options in bankruptcy.
You will get a warning letter from the Clerk’s office a few weeks before this deadline. Click here to see what that letter looks like. Don’t worry. If you have taken the class through Cricket, we have your certificate and will file it on the due date. You do not need to call us when you get the Clerk’s warning letter so long as you’ve taken the class. We have you covered!
What to do if Creditors Call
Tell them to leave you alone! Let them know that you filed for bankruptcy. Give them the case number and our phone number (410-870-9315). We’ll take it from there. You should not be bothered by creditors anymore. You can use this Collection Call Log to help you keep track of phone calls.
What to do if You Need to Get a Loan While in Chapter 13
A Chapter 13 bankruptcy plan can last three to five years (or more). During that time, you may need to incur new debt (i.e., you may need to get a new car). If you are considering getting a new loan, if your car dies, or if you are in an accident, give us a call right away. We can help you make the right choices for loans, help you provide documentation to the lender about your bankruptcy, and help you get court approval for you to add new debt. It may take a few weeks to get the court approval you’ll need before your loan can be approved, so make sure we’re in the loop right from the start.
Send us an email to [email protected] and let us know what’s going on. Or give us a call at (410) 870-9315.
After Your Bankruptcy Discharge
Congratulations! This is the best part. Now that your debts have been discharged you have the fresh financial start you deserve. Here are some tips to help you make the most of it.
3 Steps to Rebuilding Your Credit After Bankruptcy
- Check your credit report. Wait at least 6 months, then go to www.AnnualCreditReport.com and download your credit reports from the 3 main bureaus. (This is the only official site, but there are many copycats). You don’t need to get your credit score; just get the reports. Send them to us at [email protected] and we’ll take a look to make sure all of your discharged debts are properly recorded.
- Start using credit wisely. Pick a regular expense (e.g., gas or tolls), use a credit card for that expense, then pay it off each month. This is the fastest way to increase your credit score. It shows that you can use credit wisely and live within your means.
- Don’t co-sign for others’ debts. This is time to focus on yourself. Don’t risk your fresh start by betting on someone else, no matter how reliable they are.
Our Latest Book
Our latest book, which was written especially for you is currently at the publisher. We should have copies available soon. Click here to request a FREE copy from our first shipment.
What to do if Creditors Call
If you get a call or a letter from a creditor about a debt that you owed before you filed your bankruptcy case, let us know right away. Send a copy of the letter to [email protected]. If they are calling, tell them you filed for bankruptcy, give them the case number, and give them our phone number (410-870-9315). If the debt was discharged in your bankruptcy, we may be able to sue them for a violation of the Court’s discharge order. We have to give a chance to correct their mistake, but if they don’t or they keep contacting you, we will sue them on your behalf. We need the details, though. So, send us the letters, give us the date/time of any phone calls, and make sure you get the name of anyone who calls. Feel free to use this Collection Call Log to help you keep track, or just shoot us an email right after you get a call.
Trustee Questionnaires
Trustee Fisher Interrogatories
Trustee Friedman Interrogatories
Trustee Goldstein Interrogatories
Trustee Leavers Interrogatories
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