• Take a credit counseling class before filing – a complete list of the approved courses for the Middle District of Florida can be found at http://www.flmb.uscourts.gov/
  • Gather your creditors – a free credit report can be obtained at annualcreditreport.com
  • Gather your financial documentation – last 2 years tax returns, 6 months of pay stubs or proof of income, bank statements
  • Accurately fill out the petition and all schedules – schedules can be found at http://www.flmb.uscourts.gov/
  • Prepare the proposed Chapter 13 Plan that meets all legal requirements. The model plan must be used in the Middle District of Florida – the model plan can be found at http://www.flmb.uscourts.gov/procedures/documents/Chapter13Plan.pdf
  • File the petition, schedules and the proposed plan with the appropriate filing fee. See Fees.
  • Automatic Stay goes into effect the moment the petition is filed and creditors cannot proceed against both the debtor and a non-filing co-debtor for collection of the debt. See Co-Debtor Automatic Stay.
  • Start making the plan payment within one month of the petition filing to the trustee.
  • Provide all requested information to the trustee at least 10 days before the Meeting of Creditors.
  • Attend the Meeting of Creditors (held about 20-40 days after the case is filed). See “341 meeting.”
  • Take a financial management course and file a certificate with the court – a complete list of the approved courses for the Middle District of Florida can be found at http://www.flmb.uscourts.gov/.
  • Attend the Confirmation Hearing (held within 2 months after the meeting of creditors). See Confirmation Hearing.
  • File or object to proof of claims.
  • Comply with the plan requirements and payments for the duration of the re-payment period.
  • The court will grant a discharge upon completion of the plan. 

See also: