"What happens if a creditor rejects my bankruptcy case?"
The bankruptcy process can devolve into a complicated series of forms, procedures, hearings and deadlines. The average American consumer is as likely to know the basic rules of cricket, be able to list all of the Marvel movies in chronological order, or sing the words to Auld Lang Syne, than to have a working knowledge of how the bankruptcy system works. So it's not surprising that clients will frequently ask: "When will I know whether or not my creditors rejected my bankruptcy case?" The short answer is this: Creditors do not get to "reject" your bankruptcy case, and creditors cannot unilaterally deny bankruptcy relief to anyone. Bankruptcy laws are contained in the United States Bankruptcy Code and the Federal Rules of Bankruptcy Procedure. This is federal law, which means bankruptcy cases are administered in the federal court system. Each federal judicial district has one or more appointed Bankruptcy Judge. Other professionals, called Trustees, ar