Resources: The before and after of bankruptcy
Prior to filing bankruptcy, the best resource you could use is your attorney. Your lawyer will take you step by step through bankruptcy and assist you with the legal questions and wonders. In order for your bankruptcy to run smooth, you will have to provide documentation to your lawyer. The items include your taxes, creditor statements, and monthly statements for mortgage, stocks, bonds, bank account, etc.
The resources that you need to file bankruptcy are already the at the tip of your fingers. Once you have collected and provided all of the right documentation, you should be able to sit back and allow the stress to start rolling off your shoulders.
After filing bankruptcy, you should be able to resume normal life and begin creating paths in your life that were not available to you prior to bankruptcy. Once you have obtained a copy of your bankruptcy discharge, you will want to send this discharge to the three major credit bureaus. You will be solely responsible for your credit report from the time after bankruptcy.
To assist you further in your needs, below are links of information for debtors :
Attorney – Heather Bailey
heather@bankruptcybailey.com
Paralegal – Meghann Fund
mf@bankruptcybailey.com
Bankruptcy Terms:
http://www.uscourts.gov/educational-resources/educational-activities/bankruptcy-basics-glossary
Chapter 13 TFS (Payment System):
https://www.tfsbillpay.com/login
Charleston13 –James M. Wyman, Trustee
http://www.charleston13.com/
Credit Bureaus:
• Equifax – https://www.equifax.com/personal/
• Transunion: https://www.transunion.com/
• Experian: https://www.experian.com/
**When contacting the credit bureaus to provide them with your bankruptcy discharge; please provide the following information:
RE: Name, address, last 4 of SSN, Reason for sending (update credit report with bankruptcy discharge) **
National Data Center
https://www.ndc.org/home
United State Bankruptcy Court – Charleston
https://www.scb.uscourts.gov/court-info/court-locations
United State Bankruptcy Court – Bankruptcy Described:
https://www.scb.uscourts.gov/bbvideos
Most creditors will be listed on your bankruptcy and cannot contact you while you are in an active bankruptcy; however, some debt does live through bankruptcy. Below is a link to some of the major student loan companies and the IRS:
Internal Revenue Service:
https://www.irs.gov/
Sallie Mae – Student Loan:
https://www.salliemae.com/
Navient – Student Loan:
https://navient.com/
Nelnet – Student Loan:
https://www.nelnet.com/welcome
Great Lakes – Student Loan:
https://mygreatlakes.org/
Attorney Heather Bailey
heather@bankruptcybailey.com
Paralegal – Meghann Fund
mf@bankruptcybailey.com
mybk@bankruptcybailey.com
All general questions
Chapter 13 TFS (Payment System):
https://www.tfsbillpay.com/login
Charleston13 –James M. Wyman, Trustee
http://www.charleston13.com/
Credit Bureaus:
• Equifax – https://www.equifax.com/personal/
• Transunion:
• Experian: https://www.experian.com/
**When contacting the credit bureaus to provide them with your bankruptcy discharge; please provide the following information:
RE: Name, address, last 4 of SSN, Reason for sending (update credit report with bankruptcy discharge) **
United State Bankruptcy Court – Charleston
https://www.scb.uscourts.gov/court-info/court-locations
United State Bankruptcy Court – Bankruptcy Described:
https://www.scb.uscourts.gov/bbvideos