How: personal bankruptcy in the State of Florida file

There are several steps that must take a single file bankruptcy in the State of Florida. When filing for chapter 13 (organised refund) or Chapter 7 (total liquidation), is a procedure are tracked. You should first consult, a lawyer to evaluate your options. As soon as the decision with the bankruptcy file was filed, the Prosecutor can guide you through the process.Difficulty: ModerateInstructions1Submit a "Means test". There are two parties. The first part is to determine if sufficient income, at least 25% to your nichtprioritäre debt (credit cards, for example) have to pay after living expenses (rent, food, etc.). If so, you can for Chapter 7 file. In the second part of your income will be compared state median family income. If your income higher than the median, you for Chapter 7, chapter 13 as your remaining option leave file. You can make a case, if special circumstances (expensive health care for example), but there a judge is to decide whether you total liquidation. 2File, a petition to the Court bankruptcy called "Declaration on financial matters can pursue." It is an overview of all your debt priority to obtain debt (mortgages, car loans, etc.) and unsecured debt (credit cards, personal loans, etc.). Also include the names and addresses of all your creditors and a list of all your property, including real estate and personal property. Be 3Attend precisely, including debt not listed within this statement on bankruptcy. "341 hit", also known as the first meeting of creditors. A trustee will be appointed to your case and make you questions to ensure that the information SieSie are deployed correctly.If not the performance of your case dismissed. Creditors are invited to appear but are not required. If you attend and ask questions, you are under oath and that he Unnswer honestly requires all your requirements. The trustee will determine how much, if anything, you can afford your creditors. 4Attend bankruptcy hearing repay. This hearing, the judge will approve or deny your request for Chapter 7 and chapter 13. Chapter 7 is denied, but chapter 13 is approved, your refund will be determined at the hearing. The conditions will be distributed to your creditors, who reserve the right to refuse or approve the plan.