Many people in debt find themselves hounded by bill collectors. They receive telephone calls from bill collectors all day long, sometimes at work. They also receive threatening letters in the mail from attorneys and collection agencies. Dealing with bill collectors adds unnecessary stress to lives…
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Can a married debtor file bankruptcy without the other spouse?
Married debtors have the option to file bankruptcy jointly with a spouse, or to file an individual bankruptcy without including their spouse. Which option you should select depends upon your circumstances. Individual Versus Joint Debts Sometimes a spouse brings a large number of debts into a…
Will my utility services be affected?
The Bankruptcy Code prevents utilities from disconnecting your service or refusing to provide service just because you filed bankruptcy. At the same time, the Bankruptcy Code allows utilities to demand “adequate assurance” that you will pay your future utility bills after you file…
Will filing bankruptcy affect my credit?
Many debtors worry that filing bankruptcy will affect their credit. It might, but the impact might not be as drastic as you think. Your Credit Score If you have a good credit score, filing bankruptcy will probably cause it to fall significantly. If you don’t really need a bankruptcy —…
What debt will bankruptcy not erase?
Most of your debts can be discharged in a bankruptcy. Some debts, however, are nondischargeable. In other words, they cannot be wiped out in a chapter 7 bankruptcy proceeding or at the end of a chapter 13 repayment plan. Some kinds of debt can never be discharged. Certain other kinds of debt can…
How often can I file bankruptcy?
Congress does not want individuals to use bankruptcy as an excuse to incur debt irresponsibly, knowing that they can wipe out their debts and start fresh with repeated bankruptcy filings. For that reason, once you have been granted a bankruptcy discharge, you cannot immediately file another…
Online Bankruptcy
While an individual cannot actually file a bankruptcy online there are several services available online that offer to simplify the process of filling bankruptcy without an attorney. There are bankruptcy sites that will allow you to prepare all the forms online and then print them out to file with…
Bankruptcy Information Privacy Policy
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using…
Avoiding Bankruptcy
Bankruptcy isn’t right for everyone. Some debts, like student loans and most delinquent taxes, can’t be discharged in bankruptcy. Some people own valuable nonexempt assets that they would lose if they filed a chapter 7 bankruptcy. Some people have cash flow problems but are not yet…
Filing Bankruptcy
Because many rules govern the requirements for filing different kinds of bankruptcy, it is best to begin by getting professional advice. When you consult with a bankruptcy attorney, you will learn whether bankruptcy is the right alternative for you. If it is, a bankruptcy attorney can help you…