Step by step
From first call to a fresh start
No surprises, and nothing is filed until you say so.
- 01
Step 1: You call, text or write
Tell us what is going on in a few lines. Brigitte or Catalina answers.
- 02
Step 2: The first conversation
What you owe, what you earn, what you own, and what is coming up in the mail or in court.
- 03
Step 3: Papers, together
You bring your documents. The office prepares the petition and goes through every page with you.
- 04
Step 4: We file
Once you sign and the filing fee is paid, the case goes to the court and creditors are told.
- 05
Step 5: The trustee meeting
A short call or video meeting. Brigitte is with you and does most of the talking.
- 06
Step 6: The case closes
The court issues its discharge, and the debts it covers are gone.
Before the meeting
What to bring, even in a shoebox
Do not worry about sorting it. A shoebox is fine; Catalina will go through it with you.
Pay stubs from the last six months
The last two years of tax returns
A letter or statement for every debt
Bank statements
Anything with a court date on it
