We understand that receiving news of a case dismissal can be devastating but the good news is that, in most all cases, if this was your only case in the last 12 months it is easy to refile and protect your assets again.
The most frequent thing we hear from clients refiling their case is that there was a lack of communication and they were passed off as soon as their case filed. The stress, anxiety, and fear from learning that your case is dismissed is no fun. Our firm prides itself on its dedication to clients. Our clients only meet with an attorney (not a paralegal) when the schedule a consultation. Schedule a free and confidential consultation today and see how we can make the difference.
Remember that when your case is dismissed, your creditors receive notice as well. They can resume all collection, foreclosure, or repossession actions so you need to refile your case quickly.
The good news is that our firm can pull all of your prior case information from the court docket so you don’t need to provide us with any of your prior case information. Just review the list of documents that the court will require below.
Proof of Income
If you re-filing a Chapter 13 case you will be required to provide the last 60 days of income statements again. If you are unemployed, self-employed, or receive SSI you can sign an affidavit as to this in our office or online.
Most Recently Filed Tax Return
The court will require a copy of your last filed tax return. If you are not required to file taxes you can sign an affidavit as to this. If you have misplaced your copy we can request a transcript when you come into our office.
Pre-Filing Credit Counseling Certificate
In order for your case to be valid upon filing you must complete a pre-filing credit counseling course. The course you completed in your last case is good for 180 days so if your case was just dismissed you may be able to use that one. Otherwise, you will need to redo the course. There are several different companies that provide this service. The three companies that most of our clients use are:
Complete List of Creditors That Were NOT Listed in Your Previous Case
When you file for bankruptcy you are required to list ALL creditors and provide their last know mailing address. It is very important that you list everyone in order to receive your discharge. Our firm will pull credit reports and perform a nationwide lien search.
We invite you to contact us either online or by phone at 404-919-7296 to schedule a free confidential consultation to review your personal financial situation and what options we can provide to protect you from creditors. For additional information about bankruptcy please also check out our YouTube Channel which has up to date vlogs on issues related to personal bankruptcy.
