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Bankruptcy FAQ

Whether you should file for bankruptcy depends on your individual financial circumstances. You should consult a bankruptcy attorney to determine whether your circumstances position you to file, and whether the benefits of filing outweigh the negative effects.

The main benefit of bankruptcy is the discharge of certain debts. Since the benefits of filing vary based on the amount and type of debt you owe and chapter you file, consulting with an attorney will afford you the opportunity to learn the bankruptcy benefits specific to your situation.

Filing for bankruptcy doesn’t necessarily mean you’re free and clear of all debts. Furthermore, filing for bankruptcy will affect your credit. The attorney you consult with will inform you of the debts that are not dischargeable in bankruptcy as well as the credit ramifications.

This law firm is a full service law firm that provides legal services in various practice areas. A competent and knowledgeable bankruptcy attorney will handle your matter and devote sufficient time and attention to your specific needs.

When you file for bankruptcy, all of your financial information is reviewed and considered by the court. You will be provided with a bankruptcy questionnaire, which will include a detailed list of all of the information needed for your case.

We are available for contact through in the office appointments, telephone communication, and via email.

You will be accompanied by an attorney to all court dates that require your appearance.

Attorney’s fees vary as do the scope of work that is covered by the fee. In your consultation, the attorney will inform you of the fee for representation and what the fee specifically covers.

A Chapter 7 bankruptcy is better known as a liquidation bankruptcy. In a chapter 7 bankruptcy the trustee will take possession of your non-exempt assets in order to sell them and distribute the proceeds to your creditors. At the conclusion of a chapter 7 bankruptcy case, you will be discharged of your dischargeable debt.

A Chapter 13 bankruptcy allows you to keep the assets you can continuously pay for, while proposing a plan to pay your creditors. You will also receive a discharge of certain debts at the conclusion of a chapter 13 case.

You may then be approved for extension to find another job or you may be able to convert to a Chapter 7 bankruptcy.

You can file more than once, but depending on the chapter you file, there is a time restriction you have to adhere to.