This site is still under development, however below are some of the commonly asked questions that I will be answering:
PRE-RETAIN:
- Can I keep my car/house/secured items?
- Can I keep a credit card?
- What is the total cost and how are the fees determined?
- I filed a bankruptcy in…, how long until I can file Chapter 7 again?
- I filed a Chapter 7 back in…, how long do I have to wait before I can file a Chapter 13?
- How long does the entire process take?
- How much can I make and still qualify for a Chapter 7?
- How is your payment determined in a Chapter 13?
- What isn’t dischargeable in bankruptcy?
- Can I include my taxes in my bankruptcy?
- Can I file on Tickets?
- Can I file on Legal Fees/Court Fees?
- What is the difference between Chapter 7 and Chapter 13?
- Can I keep my home and car?
- Can I consolidate my debt?
- How much does it take to retain for bankruptcy?
- What documents are needed to start?
- Can I include my student loans in the bankruptcy?
- How do I get my ex-spouse to help file bankruptcy for their part of the debt?
- Will the bankruptcy help stop garnishments?
- How much is the filing fee?
- How long have you been doing bankruptcy cases?
POST RETAIN:
- Can I add payday loans?
- When can I buy a car?
- When can I get a mortgage?
- I turned in all my paperwork and paid in full, how long will the process take from here/what is my next step?
- Do I/we have to go to court?
- What happens at court?
- When is the bankruptcy done?
- Will they take my refund? What do they do with it?
- Why do you need the information on my house/car if I’m keeping it and not filing on it?
- What happens if I forget a creditor?
- What if I change my mind and decide not to file?
- Do they ever tell you at court that you can’t file bankruptcy?
- I’m surrendering my house/car, how long do I have until I have to vacate/surrender it?
POST RETAIN:
- How much do I still owe?
- When will my case be filed?
- How long is the hearing I go to?
- Is it a judge I go in front of?
- Who will attend the hearing?
- Can I include my ex-spouse’s debt with mine?
- Do I have to attend the hearing?
- How long is it before my case is discharged?
- How long before my creditors are notified of the bankruptcy?
- Will this stop my garnishment?
DISCHARGED:
- How do I go about turning over my refund?
- Why do I have to send the whole refund check and let the trustee issue my portion back/Why is the trustee intercepting my refund check/Why can’t I just cash it and spend the earned income credit now instead of waiting for the trustee?
- How can I get copies of the paperwork in my case?
- I received the Discharge, so am I completely done now?
- What happens if I win the lottery, receive an inheritance, or get any large sums of money since I have filed bankruptcy?
- I was in a car accident and am going to receive money from the insurance company; do I have to notify the trustee and/or turn over the money?
- I surrendered my house in the bankruptcy, so why am I still receiving information on it like property tax bills?
- Is it safe for me to have a bank account now and keep money in it?
- What is a deed in lieu of foreclosure? A short Sale?
- I am receiving bills from creditors for prepetition debt; can I add these? What should I do?
- Why am I receiving all these adds to purchase a new car and apply for credit cards?
POST DISCHARGE:
- When can I buy a home?
- When can I get another credit card?
- How long is my bankruptcy on my credit report?
- If I have any liens still on my property after my case is discharged, how do I get them off?
- Can the discharge be revoked?