I haven't filed BK, but I helped my fiance with his. Basically, you will get a letter with your meeting date, location and time (make sure you show up on time!). From what my fiance told me, he said he was the first case that was called, the opposing party(ies) didn't show up. I didn't get a chance to go to the meeting because I was looking for a parking spot; I was still looking when I got a call from him on my cell phone, telling me that he was done! All of that took less than 30 minutes...I was surprised!
About two months later, he got a letter in the mail from the courts stating that his BK was discharged. Since then, with my help from the awesome people on this board, he is slowly rebuilding his credit; he has a couple of cc's with low limits and high interest rates that's being used responsibly, but when the annual fee comes up, we're hoping to SD or close those accounts and transfer any balances to a card or cards with better terms.
Just so you'll know, after you file BK, yes, it will be difficult to obtain credit; however, it's not the end of the world. Regardless of the reason for filing BK, you can get past this, it will take some time, but we are here to support you as much as we can. Good luck on your future credit endeavors!
Thank you for that information I apprecaite the help. Its great to see the progress you've made within a years of time and i hope to achieve the same or more if possible 
. one other question I wanted to ask which is Did you have to send any letters to update the credit report or was it all updated for you once you got your discharge.?
