The Bankruptcy Process

Scheduling an Appointment

Find out what important information you should know when you call to set up your free consultation.

What to Bring to Your Appointment

In order to give you the best possible advice for your unique situation, our attorneys will need to review some of your financial documents, such as billing statements. Here is a list of the papers you should try to bring to your free consultation.

Locating Our Office

In the 40+ years that Gold & Hammes has been in existence, our office has moved only once. Whether you are a returning former client or you are visiting us for the first time, this page is here to make it as easy as possible for you to locate us. We have been at our current address since 1991.

Your Free Consultation

Every person’s situation is different and your free consultation is our opportunity to find out what are the best solutions for you. Find out more about what to expect from your free consultation.

Your Second Appointment

If you decide that you would like to file with our office, you will need to come in for a second appointment. At your second appointment, we will gather the remaining information necessary to prepare your case.

Your Signing Appointment

Find out about completing the credit counseling requirement and signing your bankruptcy paperwork and beginning your bankruptcy case.

Things to consider about filing bankruptcy

Bank Accounts with Credit Unions & Wells Fargo

Bank accounts with credit unions, and sometimes Wells Fargo, may not be protected by filing a bankruptcy. If you have a bank account with a credit union or Wells Fargo, our attorneys will advise you about the best course of action.

How Bankruptcy Affects Credit Scores

Many people wonder how filing a bankruptcy would affect their credit score. Find out more about the short term and long term impact on your credit.

After your bankruptcy case is filed

As Soon as You File, You are Protected

From the moment your case is filed, you are protected from your creditors and other debt collection agencies (with rare exceptions). Learn more about the protections that are available to you.

The Meeting with The Trustee

Whether you file a Chapter 13 bankruptcy or a Chapter 7 bankruptcy, you will need to attend a meeting with the trustee. One of our attorneys will be with you at this meeting.

Chapter 13 Plan

If you file a Chapter 13 bankruptcy, you will have a payment plan for a certain period of time. Learn more about your plan, including how to make your payments to the trustee.

Financial Management Course

Before your debts can be discharged through your bankruptcy, you will need to take a financial management course online. This can be done from the comfort of your home, or if you’d prefer, you can make an appointment to take the course in our office.