1. The Debtor individually obtains his FIRST Credit Counseling Certificate from an “approved credit counseling agency” within 180 days of filing: “THE TICKET IN”. In almost all circumstances, a Case cannot be filed without this Certificate.

2. The Debtor’s Petition, including the Credit Counseling Certificate, is electronically filed with the Court. A Case Number is generated upon filing.

3. The Official Form B9A— “Notice of Chapter 7 Bankruptcy Case, Meeting of Creditors, & Deadlines”—– is sent by the Bankruptcy Court Noticing Center by U.S. Mail to the Debtor, Debtor’s Counsel, and all of the entities listed on the Mailing Matrix that the Debtor has signed. This Form, which should be received within 10 days after the Petition is filed, will contain the Debtor’s Case Number, Trustee Information, and the Date and Time of the Meeting of Creditors. The Debtor must send copies of various documents to his assigned Trustee no later than 7 days prior to the Meeting of Creditors. These documents include, but are not limited to: complete tax returns for the past two prior years; the prior 60 days’ of pay stubs; records of all financial accounts for the past 90 days; deeds to real property in which the Debtor has an ownership interest; titles or registrations of motor vehicles in which the Debtor has an ownership interest.

4. The Debtor attends the Scheduled Meeting of Creditors [§341 Meeting] presided over by the assigned Chapter 7 Panel Trustee: 20 – 40 days after date of filing, at the Timberlake Annex, 501 East Polk Street, Room 100-A OR Room 100-B, OR Room 100-C. Subject to a security search upon entering the building, the Debtor should then proceed straight to that room and take a seat—- not wait in the antechamber. The Debtor must be prepared to present a valid, current, picture I.D. in order to be admitted to the Annex, as well as official proof of social security number at the Meeting. This “Meeting” is docketed to last approximately 6 ½ Minutes. Nothing dispositive happens at this Meeting. The Debtor presents himself to the Trustee for questioning regarding the Petition he has filed. Any creditor or party in interest also has the right to question the Debtor regarding the subject-matter of the Schedules filed in his Case. Then the Meeting is adjourned.

5. 30 day bar date to object to Debtor’s claimed exemptions: An interested party may file an objections no later 30 days after the conclusion of the Meeting of Creditors.

6. 60 day bar date to filing a Complaint objecting to the discharge of the Debtor or to determine dischargeability of certain debts: the Complaint, or a Motion to Extend Time to File Complaint, must be filed within 60 days after the conclusion of the Meeting of Creditors.

7. Debtor individually completes a “personal financial management course” from an “approved credit counseling agency” and receives a second Certificate: “THE TICKET OUT.” This Certificate, along with the Debtor’s signed certification is then electronically filed by the Debtor’s attorney with the Court. It MUST be filed within 45 days after the conclusion of the Meeting of Creditors {Item 4., above]. Failure to file within these time limits SHALL result in the withholding of the Debtor’s discharge. It is therefore recommended that the Debtor make arrangements to obtain this second Certificate as soon as the Case Number is generated in Item 2., above.

8. Discharge: usually received by the Debtor in the mail within a month of the 60 day bar date [3 months after Meeting of Creditors] assuming no Complaint as per Item 6, above, has been filed, and assuming the “Ticket Out” has been duly received by the Court.