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 a 7
• Dealing with changes in income or family circumstances in a 7
• What happens after you file your Ch. 7 case?
• immediate action
• preparing for your 341 hearing
• questions you will be asked at your 341 hearing
• reaffirmations
• pre-discharge counseling
• 6 months post discharge window
• unlisted creditors

Understanding Chapter 13

• 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?
• immediate action
• preparing for your 341 hearing
• questions you will be asked at your 341 hearing
• objections to confirmation and what to do about them
• confirmation requirements
• amendments to your plan and petition
• your responsibilities post confirmation

Making the Decision to File

What makes more sense for you - Chapter 7 or Chapter 13?

What Oct. 2005 changes to the BK law mean to you

Will my interest rates change?

Will any of my debts survive bankruptcy?

What if I change my mind - can I cancel my filing

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

Protecting my stuff

Will I lose any of my stuff?

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

Creditor misconduct in my bankruptcy case-what can I do?