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File On Time. Filing a claim on time is important, so know the deadline or bar date. The bar date is similar to a statute of limitations (time limit to bring a legal claim). The bar date for filing a proof of claim is within 90 days of the first date set for the meeting of creditors in a bankruptcy case.
Talk to a Bankruptcy Lawyer. Enter Your Zip Code to Find Local Bankruptcy Lawyers. As a general rule, when you file for Chapter 7 bankruptcy, debts that were incurred before you filed (called pre-petition debts), are discharged and the debts that were incurred after you filed (called post-petition debts), are not. As a result, you are obligated to pay most post-petition debt. But determining whether debt is pre-petition or post-petition is not always easy. Here's a primer on which debts are considered to be pre-petition and which are post-petition in Chapter 7 bankruptcy.