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today Im going to talk a little bit about what happens between the time you sign a contract to file a chapter 7 or 13 bankruptcy and the time you actually sign your petition generally in a chapter 13 your petition will be signed within one day to 10 days after your some you sign your contract in a chapter 7 it will depend on what our agreement is with respect to the attorney fee however once we have been retained that is you sign a contract which is generally no money down in the chapter 13 and fifty dollars in a chapter 7 we will put you in our computer we will provide you a card so you know what to tell your creditors when they call the card will basically say I will not pay I am doing a chapter 7 or chapter 13 on a given date my attorneys are mayor and Newton and we give our phone number and please call it 800 number after I file for a case number once you read off that card your creditors are prohibited from talking to you any further you are representative party in addition which