Frequently Asked Questions
What is bankruptcy?
What can bankruptcy do for me?
What does bankruptcy not do?
What are the different types of bankruptcy available to individuals and/or small businesses?
Who will know about my bankruptcy?
Will my friends and/or relatives know I have filed bankruptcy?
Will my employer know I have filed bankruptcy?
Can I file bankruptcy on some creditors and not on others?
If I file bankruptcy, does my spouse have to file with me?
If I filed bankruptcy before, can I file again?
Yes, unless there was an order entered in the prior case restricting your ability to re-file. Such orders are rare and usually stem from multiple filings, fraud or bad faith on behalf of the debtor. However, the ability to receive a discharge is restricted by the amount of time between filings. For example, a party can only receive a discharge in a Chapter 7 case if there has been a full 8 years between filings (time runs from filing date to filing date).
If I filed bankruptcy before, how long do I have to wait before I am eligible to file another bankruptcy and receive a discharge of my debts?
What happens if I filed bankruptcy before, need to file again and cannot wait until I am eligible to receive a discharge of my debt?
How will bankruptcy affect my co-signer?
Will I have to go to court?
Will bankruptcy wipe out all my debts?
Will I lose all of my property and belongings if I file bankruptcy?
What happens to my home and car if I file bankruptcy?
Will bankruptcy affect my credit?
How long will bankruptcy stay on my credit report?
What else should I know?
Are there alternatives to bankruptcy?
Use this form to contact us to arrange for an initial consultation. The first 30 minutes of a bankruptcy consultation is free, additional time or other matters such as student loan issues or wills billed at standard rates. Please provide details as to how we can assist you.