What happens after I give my financial information?
There are a few things that can happen after you give your financial information to the creditor:
- you may not have to go to the debtor's examination, or
- the creditor may ask the court to require you to go to the examination even though you gave your financial information.
Read below to learn more about what to expect next.
I gave the creditor my financial information. Now what?
If you correctly gave your financial information to the creditor and the court at least 15 days before the debtor's examination, you don't have to go to the examination. Review this page to make sure you did everything correctly.
If you checked item 2 on Notice of Financial Statement—Consumer Debt (form EJ-143), the creditor can ask the court to require you to go to the examination even though you gave them your financial information in writing.
What do I do if I receive Notice of Motion and Motion to Require Examination—Consumer Debt (form EJ-146)?
If you receive form EJ-146, the creditor asked the court to make you go to the debtor's examination even though you gave them your financial information.
Before making a decision about the exam, the court will have a hearing to decide if an exam is really needed. The date and time of the hearing are listed in item 2 on form EJ-146.
At the hearing, you can explain why you think the financial information you gave the creditor is enough information. Be sure to take copies of your completed Notice of Financial Statement—Consumer Debt (form EJ-143) and Financial Statement—Consumer Debt (form EJ-144).
What do I do if I receive Application and Order to Require Examination After Submission of Financial Statement—Consumer Debt (form EJ-147)?
If you receive form EJ-147 after the hearing, the court decided that a debtor's examination is needed. You must go to court for the exam on the date and time listed on item 2 on form EJ-147. While in court, you will answer questions about your money and property.