Filing for bankruptcy is not easy but it is not hard as well. You will need to look out for some critical deadlines that should be considered in chapter 13.
- If you filed a bankruptcy case earlier than this one-
If you got a discharge from the earlier case then these deadlines should pass before you apply for another one,
(a) If you filed chapter 7 bankruptcy earlier, then 4 years should be passed from the date of filing this chapter 13 bankruptcy.
(b) If you filed chapter 13 bankruptcy earlier, then 2 years should be passed from the date of filing this chapter 13 bankruptcy.
- Your previous dismissals-
If you filed a case and got your order of dismissal, you have to wait for some period that is stated in your order of dismissal before filling another one. In most cases, the time is for 6 months.
- If you moved recently-
If you moved from one state to another, you have to reside at the new residence for at least the last 6 months before you can file for bankruptcy in that state.
- Submission of documents-
When filing for bankruptcy, you have to submit all the required documents to the court with your bankruptcy case and if you did not you have a time of 14 days to submit all your remaining schedules, statements, and/ or your chapter 13 plan.
- Chapter 13 repayment plan.
It starts within 30 days of the filing of your plan. Your trustee will inform earlier to you or your attorney and you cannot miss your deadline. The deadline given by the trustee is the final deadline, they don’t have any grace periods. It is better if you can put an automatic debit for this plan so that you do not miss the deadline.
- The updated document should be provided to your trustee-
All your documents need to be updated prior to submitting. Your trustee should have all your updated statements, they can be provided to your trustee by you or by your attorney. It should be updated before 14 days end after your 341 meeting of creditors.