1. Credit Impact All Cases All Cases –On Credit Report for 10 Years Chapter 7 Chapter 7 –1-3 Year Practical Impact Chapter 13 Chapter 13 –4-7 Year Practical Impact

2. Discharge of Debt Chapter 7 Chapter 7 –Debt Discharged in 4 to 6 Months Chapter 13 Chapter 13 –Debt Discharged upon Final Payment

3. Non-Bankruptcy Alternatives Bulk Sales Bulk Sales Assignment for the Benefit of Creditors Assignment for the Benefit of Creditors Voluntary Repayment Plans Voluntary Repayment Plans Consumer Credit Companies Consumer Credit Companies

4. Non-Bankruptcy Alternatives Bulk Sales Bulk Sales Assignment for the Benefit of Creditors Assignment for the Benefit of Creditors Voluntary Repayment Plans Voluntary Repayment Plans Consumer Credit Companies Consumer Credit Companies

5. Non-Bankruptcy Alternatives Bulk Sales Bulk Sales Assignment for the Benefit of Creditors Assignment for the Benefit of Creditors Voluntary Repayment Plans Voluntary Repayment Plans Consumer Credit Companies Consumer Credit Companies

6. Non-Bankruptcy Alternatives Bulk Sales Bulk Sales Assignment for the Benefit of Creditors Assignment for the Benefit of Creditors Voluntary Repayment Plans Voluntary Repayment Plans Consumer Credit Companies Consumer Credit Companies

7. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

8. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

9. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

10. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

11. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

12. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

13. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

14. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

15. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

16. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

17. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

18. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

19. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

20. A Quick Chronology Consultation with Attorney Consultation with Attorney Complete Questionnaire Complete Questionnaire Review with Attorney Review with Attorney Prepare Documents Prepare Documents Review and Sign Review and Sign Credit Briefing Class Credit Briefing Class Filing of the Case Filing of the Case Notice of Hearing Notice of Hearing Financial Education Class Financial Education Class Meet with Attorney Meet with Attorney Attend a Hearing Attend a Hearing Interim Administration Interim Administration Discharge Discharge

21. What Happens Next Bankruptcy Packet Bankruptcy Packet –Instructions –Divider Pages –Questionnaire –Disclosures –Bankruptcy Booklets