Bankruptcy Milestone Tracker

Chapter Selected

You've determined which bankruptcy chapter best fits your situation — Chapter 7 for a fresh start or Chapter 13 for a repayment plan.

Credit Counseling Completed

Federal law requires completing a credit counseling course from an approved agency within 180 days before filing. This course typically takes 1–2 hours.

Petition Prepared

Your bankruptcy petition and schedules have been prepared. These documents disclose your assets, debts, income, and expenses to the court.

Petition Filed

Your bankruptcy petition has been filed with the federal court. An automatic stay immediately goes into effect, stopping most collection actions.

341 Meeting Scheduled

Your 341 Meeting of Creditors has been scheduled. You'll receive a notice with the date, time, and location (or dial-in information) from the court.

341 Meeting Completed

You attended your 341 Meeting of Creditors. The trustee verified your identity and asked questions about your petition. Most meetings last less than 10 minutes.

Debtor Education Completed

You've completed the required debtor education (financial management) course. This must be done after filing and before discharge is granted.

Discharge Received

Your discharge order has been issued by the court. Eligible debts are legally eliminated. This is the goal of the bankruptcy process.

Case Closed

Your bankruptcy case has been officially closed by the court. Your Fresh Start begins now — you're ready to rebuild.