Steps In Bankruptcy

When contemplating bankruptcy, it is helpful to know what is involved. At Lein Law Offices, our goal is to make the bankruptcy process as simple as possible. In an effort to let you know what to expect, we have assembled the following outline of the steps in bankruptcy.

1. Make An Appointment

  • We are open Monday through Friday 8 a.m. to 5 p.m. We are available after normal work hours, and weekends by appointment.

2. Print The Checklist For Materials To Bring To The Appointment

  • Bankruptcy requires full disclosure of your assets, liabilities and any equity you may have. The more information you give us, the faster we can stop garnishments, foreclosures, collections, etc.
  • Please print the checklist that shows the materials needed to complete your bankruptcy petition; bring what you can. If a checklist item does not apply to you, you do not need to bring it. A bankruptcy petition lists your assets, liabilities and equity in any assets.

3. Appointment

  • This appointment is free. When we first meet with you, we will review your financial information and let you know what your options are. If there is an option that fits your needs, we can begin the preparation of your petition.

4. Credit Counseling: Prefiling

  • Prior to filing you will need to complete credit counseling. Credit counseling will cost anywhere from $10 to $25 and can be done over the Internet, in person or telephone. Here is a list of approved credit counseling agencies.
  • Once the credit counseling is completed, you will need to send the certificate of completion to us. You can send the certificate of completion to us at:

Email: [email protected]; or,

US Postal Service: Lein Law Offices
P.O. Box 761
Hayward, WI 54843; or,

Fax: 715-634-5051.

5. Review Petition

  • When your petition is complete, we will send you a copy. We want you to review the petition thoroughly. Please confirm that all debts have been included. The debts that should be included are both debts that you know about and debts that you may think you have. Our goal is to give you a fresh start at living life debt-free.

6. Sign Petition

  • Once the necessary adjustments have been made, we will make an appointment for you to review and sign the petition with us.

7. Petition Filed

  • Once signed, we will file the petition with the U.S. Bankruptcy Court. Once it is filed, the U.S. Bankruptcy Court will send notices to the creditors, and all collection actions, including, but not limited to, garnishments, foreclosures and harassing phone calls will stop.

8. Meeting Of The Creditors/341 Hearing

  • In addition to all collection actions being stopped once we file your bankruptcy petition, the U.S. Bankruptcy Court will send a notice to you and Lein Law Offices regarding the meeting of creditors. The meeting of creditors is a chance for your creditors to object to being discharged. When you sign the petition, we will discuss with you which creditors, if any, will object to being discharged.
  • IMPORTANT: Be sure to bring your driver's license and social security card to your hearing.
  • Location:

If you live in:

Meeting Will Be Held In:

Barron, Buffalo, Burnett, Chippewa, Clark, Dunn, Eau Claire, Jackson, Pepin, Pierce, Polk, Price, Rusk, St. Croix Falls, Sawyer County, Taylor, Trempealeau or Washburn County

U.S. Bankruptcy Court, Federal Courthouse
500 S. Barstow Street
Eau Claire, WI 54701
Maps and Directions

Juneau, La Crosse, Monroe, Vernon, or Viola (Town) County

Common Council Chambers
City Hall
400 La Crosse Street
La Crosse, WI 54601
Maps and Directions

Lincoln, Marathon, Oneida, Portage, Vilas or Wood County

Rothschild Village Hall
211 Grand Avenue
Rothschild, WI 54474-1199
Maps and Directions

Ashland, Bayfield, Douglas or Iron County

Government Center
Board Meeting Room 204A
1316 North 14th Street
Superior, WI 54880
Maps and Directions

Adams, Columbia, Crawford County, Dane, Grant, Green, Iowa, Jefferson, Lafayette, Richland or Sauk County

Rock County Job Center
Conference Room I
1900 Center Ave.
Janesville, WI 53546
Maps and Directions

Rock County

U.S. Trustee's Office
780 Regent St., Suite 307
Madison, WI 53715
Maps and Directions

9. Credit Counseling: Post Filing

10. Debt Discharge

  • When all of your bankruptcy requirements have been met, the Bankruptcy Court will send you a notice of discharge, letting you know your bankruptcy is complete.

Do You Want To Know More? Call Us

If you have read this far, you likely have more questions about bankruptcy, including what kind, if any is right for you. We invite you to call us at 877-712-4023, or email us to schedule a free consultation with an attorney to discuss your situation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.