Welcome back, Jessica
You're doing great — most clients at your stage are about 3 weeks from filing.
Notifications
Document issue: Your ID photo is too blurry. Please re-upload a clearer image.
Vehicle title accepted. Your document has been reviewed and approved.
Payment received. $475 payment (2 of 4) confirmed.
Case preparation started. We're building your petition now.
Welcome! Your case has been created. Upload your documents to get started.
Action Items
2 remainingYour Team
What Happens Next
Documents
A handful of items we need to finalize your petition. Connect an account where you can — upload the rest.
Your Creditors
These are the debts we'll include in your filing. Confirm each one is correct so nothing gets missed — this is the list that sets you free.
| Creditor | Type | Balance | Status | |
|---|---|---|---|---|
| Chase Bank | Credit Card | $14,820 | Confirmed | |
| Capital One | Credit Card | $8,340 | Confirmed | |
| Mercy Hospital | Medical | $23,180 | Flagged | |
| Discover | Credit Card | $5,910 | Confirmed | |
| Sallie Mae | Personal Loan | $6,200 | ||
| Citi Bank | Credit Card | $3,780 |
Your Petition
This is the document that eliminates your $62,230 in debt. Review each section, confirm it's accurate, then sign at the bottom. Your attorney files it the same day.
Personal Information
Your Income
Your Expenses
Your Debts
Your Property
Eligibility (Means Test)
You're one signature away from a fresh start
By signing below, you authorize Rebecca Kim, Esq. to file this petition with the Central District of California Bankruptcy Court on your behalf. Once filed, creditors must legally stop contacting you.
Intake Questionnaire
A few questions help Frankie prepare your case correctly. Takes about 5 minutes. Your answers combine with the documents you've uploaded to produce your complete filing.
341 Meeting
This is a short, routine phone call — usually 5-10 minutes. Your attorney will be right there with you the whole time. Here's everything you need to feel ready.
Meeting Scheduled
Dial-In Number
(888) 555-0142
What to Have Ready
Government ID & Social Security Card
Preparation Guide
What this meeting actually is
A short, routine phone call (usually 5-10 minutes) with a bankruptcy trustee. It's not a courtroom. The trustee just confirms your petition is accurate. Your attorney, Rebecca Kim, will be on the call with you the entire time.
What to expect
The trustee will ask about 10-15 standard questions. You'll answer "yes" or "no" to most of them. It's straightforward — thousands of people do this every day.
Common questions you'll hear
"Is everything in your petition true and correct?" — Yes. "Did you list all your property?" — Yes. "Did you list all your debts?" — Yes. "Have you transferred any property in the last 2 years?" — No.
What NOT to do
Don't volunteer extra information. Don't guess — if you're unsure, say "I'm not sure" and let Rebecca respond. Keep answers short and factual.
Your Fresh Start
Congratulations, Jessica. You did something incredibly brave — and it paid off. Your debt has been legally eliminated.
You are debt free
The United States Bankruptcy Court for the Central District of California has granted your discharge. $62,230 in debt has been permanently eliminated.
Discharge Order
Official court document confirming all eligible debts have been eliminated
Case Summary
Complete record of your filing — creditors, amounts discharged, court details
Rebuild Your Credit
Most clients see credit improvement within 12 months. Here's a month-by-month guide to get you there.
Get a secured credit card
Start with a $200 deposit card. Use it for one small purchase per month — gas or groceries — and pay it off in full.
Check your credit report
Verify all discharged debts show $0 balance. Dispute anything that still shows as owed — this is common and easy to fix.
Add a credit builder loan
A small installment loan diversifies your credit mix. Many credit unions offer $500-1,000 builder loans with low interest.
Upgrade to an unsecured card
With 12 months of on-time payments, you'll likely qualify for a regular credit card. Your score should be in the 650-700 range.
Know someone drowning in debt?
You'll earn a $100 gift card for every friend who files with Frankie. They'll get $100 off, too.
Share your story, earn a $50 gift card
A 60-second video or written review helps someone going through what you went through.
Messages
Have a question or just feeling anxious? That's totally normal — we're here for you. Your team typically responds within 4 business hours.
Payments
You're making progress — 3 of 6 payments done. We keep working on your case while you pay, so there are never any delays.