Frequently Asked Questions
What can bankruptcy do for me?
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?
The length of time you have to wait will vary depending on the type of bankruptcy you previously filed and what you intend to file in the future. To be relieved (discharged) of debt, you must wait:
- Prior 7, new 7 - 8 years
- Prior 7, new 13 - 4 years
- Prior 13, new 13 - 2 years
- Prior 13, new 7 - 6 years*
The waiting periods run from filing date to filing date.
*unless you paid 100% of the allowed unsecured debt in the prior Chapter 13 or paid 70% of the unsecured debt in good faith and with best efforts.
How will bankruptcy affect my co-signer?
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?
Initial Consultation
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.
Canby Bankruptcy Center
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