What is an Adversary Proceeding and what do I do if one gets filed on my case?
An adversary case occurs if a creditor disputes the dischargability of a debt. This is a separate complaint and court proceeding than your Chapter 7 case. An example of a complaint would be credit card use (typically in excess of $600.00 and/or a major purchase) 90 days prior to case filing. As a safeguard, we go through a list of questions with you before we file your case so as to avoid adversaries. Pursuant to our fee agreement, we are not retained to handle adversaries and/or contested matters. If you wish to engage our services to handle an adversary, please make an appointment to discuss your options. While the consultation to discuss these options is free, the typical retainer to handle an adversary is $1,500 – $2,000.00. General Information: • If you are a member of a credit union and owe money to that union, you will want to get any money out before your case is filed. Once the credit union receives notice of your bankruptcy, they can and will take money from your account in o
