Information for Clients

Meeting of Creditors Hearing Address

600 East Main Street
Suite 120
Richmond, VA 23219

Located at the comer of 7th and Main Streets in downtown Richmond one block from The Law of Aubrey F. Hammond, Jr.

Bring your drivers license or Virginia issued ID card. If this card does not contain your
social security number, bring your social security card.

Chapter 13 Payment Address

There are two Chapter 13 trustees:

Robert E. Hyman
P.O. Box 983
Memphis, TN 3 8101

Carl M. Bates
P.O. Box 983
Memphis, TN 38101

Please call the office if you can not determine your trustee from the letters you have received
from us.

Chapter 7 Discharge

Your chapter 7 discharge means that you have received the debt relief that you sought and that your bankruptcy case has been completed. You should receive your chapter 7 discharge order within 3-4 months of the filing of your case.

Chapter 13 Discharge

You will receive your discharge order when all payments to the Chapter 13 trustee have been made. It will take 3-5 years to receive your discharge in a Chapter 13 case depending on the length of your repayment plan.

How to Rebuild Your Credit

The following are some suggested ideas to rebuild your credit:

1. Open a checking or savings account. Lenders may look to this to determine if you can responsibly handle money.

2. Avoid unsecured credit cards at high interest rates. Obtain a secured credit card. A secured card typically comes from a bank whereby you place an amount of cash in an account and can use the credit card to make purchases up to the amount on deposit. Always attempt to pay the entire balance on the credit card each month. Avoid the trap of allowing the balance to grow or remain unpaid.

3. Pay your utility bills and rent on time.

4. Look for car dealers and mortgage brokers that attest to be 'bankruptcy friendly'. Buy a used car so you don get hit with depreciation that occurs during the first two years of a new car purchase.

5. Stay away from payday loans at all costs.

6. Write a letter to each credit reporting agency explaining the circumstances that lead to you filing.

7. Live within your meanns. Do not unnecessarily increase your debt to income ratio by taking on credit to purchase luxury items that do not need. Your payments on consumer debt should equal no more than 20 of your expendable income after costs for housing and a vehicle.

8. Pay your reaffirmed, pre-bankruptcy debts on time.

Credit Bureau Address

Equifax Credit Bureau, P.O. Box 740256, Atlanta, GA 30374 (800) 525-6285

Experian, 701 Experian Parkway, P.O. Box 2002,Allen, TX 75013 (888) 397-3742

Transunion LLC, Consumer Disclosure Center, P.O. Box 1000, Chester, PA 19022

Credit Report Repair

When you receive your discharge order, send a copy of your bankruptcy petition and discharge order to each of the above three credit bureaus. Each credit bureau has 30 days to make any corrections after receipt of this information from you. You should obtain a copy of your corrected credit report prior to applying for any financing . This will make the loan application process smoother for you.