Consumer Bankruptcy Information Center

(note that some links are not clickable as we are updating this
section of our web site in order to keep it up to date)

Understanding Chapter 7

• What Can Go Wrong in My Chapter 7
   
• How do I Handle Changes in Income or Family Circumstances in my Chapter 7 case?
   
• What happens after you file your Ch. 7 case?
   
• What is the Immediate Impact of my Chapter 7 Filing?
   
• How Should I Prepare for my Chapter 7 341 Hearing?
   
• What Questions will I Face at my Chapter 7 341 Hearing
   
• What are “Reaffirmations” in Chapter 7?
   
• Will My Interest Rates Change After I File Chapter 7?
   
• The Financial Management Course Requirement in Chapter 7 Cases
   
• Your Chapter 7 Trustee’s Rights During the 6 Month Period After Discharge
   
• How are Unlisted Creditors Treated in my Chapter 7 Case?
   
• Will Any of my Debts Survive Chapter 7?
   
• Can I Change my Mind and Cancel my Chapter 7 Case?
   
• What can I do if Creditors Try to Collect Discharged Debt?
   
• Can I File Chapter 7 if I have Previously Filed a Bankruptcy?

Understanding Chapter 13

• How is My Chapter 13 Plan Calculated?
   
• What can go wrong in a 13
   
• Solutions to Ch. 13 issues
   
• Dealing with changes in income or family circumstances in a 13
   
• What happens after you file your Chapter 13 case?
   
• What is the Immediate Impact of my Chapter 13 Case?
   
• How to Prepare for Your Atlanta Chapter 13 “341 Hearing”
   
• questions you will be asked at your 341 hearing
   
• Objections to Chapter 13 Plan Confirmation and What to Do About Them
   
• Tips for Getting Your Chapter 13 Case Confirmed
   
• Why Will I Need to File Amendments to my Chapter 13 Plan and Petition?
   
• What Are My Responsibilities After my Case is Filed?
   
• Will My Interest Rates Change After I File Chapter 13?
   
• Can I Change my Mind and “Cancel” my Chapter 13 Case?
   
• Can I Refile My Case if my Prior Case Was Dismissed?
   
• What is a Motion to Extend the Stay?
   
• What is a Motion to Reimpose the Stay?
   
• Life After my Chapter 13 Discharge
   
• Will any of my Debts Survive my Chapter 13 Discharge?
   
• What can I do About Creditors to try to Collect Discharged Debt?

Making the Decision to File

• What makes more sense for you - Chapter 7 or Chapter 13?
   
• What do the Oct. 2005 changes to the BK law mean to you
   

Bankruptcy terminology

• Glossary of important terms
   
• What is “means testing” and how does it apply to me?

Notices issued by the Court and by Creditors

• Who gets notified about my bankruptcy (Will my bankruptcy be available to the general public?)
   
• Will my employer be notified about my bankruptcy filing
   
• Will my ex-spouse be notified about my bankruptcy filing

Special types of debt

• Bankruptcy and child support or alimony
   
• Child Support
   
• Alimony and Property Division
   
• Bankruptcy and Student loans
   
• Bankruptcy and past due taxes
   
• Co-signed debt
   
• Debt arising from fraud or illegal activity
   
• Debtor owed to relatives
   
• SBA (Small Business Administration debt
   
• Stopping evictions with bankruptcy

Protecting my stuff

• Will I lose any of my stuff?
   
• What are “Exemptions?”

Most Common pre-bankruptcy mistakes and how we solve these problems

• credit card binge debts
   
• recent repayment to relatives
   
• I sold furniture or electronics that was subject to a secured lien
   
• I filed a BK on my own and because I did not know what to do, the case was dismissed
   
• credit card balance transfers
   
• recent use of credit cards

Credit Rebuilding Section

• How to obtain your credit reports
   
• How to challenge a derogatory entry
   
• Mistakes to avoid going forward
   
• Specific steps to rebuild
   
• Obtaining Credit While in a Ch. 13
   
• Buying a house during a Chapter 13
   
• Buying a car during a Chapter 13
   
• Obtaining Credit After Chapter 7
   
• Buying a house after Chapter 7
   
• Buying a car after Chapter 7
   
• Obtaining Credit After Chapter 13
   
• Buying a house after Chapter 13
   
• Buying a car after Chapter 13
   
• What can I do about creditors who improperly report to the credit bureaus?