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When a creditor is forced to pay back recently received money through “preference” law, that money can go to pay a debt you want to be paid.

Bankruptcy doesn’t just stop garnishments and other collections. Sometimes you can make a creditor return money it recently took from you.

Bankruptcy can go beyond giving you immediate and long-term relief from your debts. It comes with many other surprising benefits.

Besides fulfilling the terms of your Chapter 13 payment plan, you may need to make other payments and meet other requirements.

Most bankruptcy cases are completed successfully. But you need to pay attention to a few crucial steps to make that happen.

The Confirmation Hearing is where the bankruptcy judge approves, or “confirms,” your Chapter 13 payment plan.” You seldom need to attend.

At the Meeting of Creditors you, your lawyer, & the trustee review your proposed payment plan, and address any creditor & trustee concerns.

In most Chapter 7 cases nobody opposes your right to a discharge of your debts. But if so it would likely come from the bankruptcy trustee.

At the “Meeting of Creditors” the bankruptcy trustee is mostly interested in your assets. Most often they’re all protected by exemptions.

No creditors come to most Chapter 7 “meetings of creditors,” and seldom more than one or two. But this short meeting is still very important.