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Law Offices of Lauren Ross

Bankruptcy Questions & Answers

General Bankruptcy Questions

• What is Bankruptcy? 

• Who can file a Chapter 7 Bankruptcy?

• What happens when I file a Chapter 7 Bankruptcy?

• Who can file a Chapter 13 Bankruptcy?

• Will bankruptcy stop creditor calls?

• How long before the creditors stop calling?

• Who notifies the creditors?

• Who deals with my creditors during the bankruptcy?

• Will my employer or landlord find out about my bankruptcy?

• Can my employer fire me for filing bankruptcy?

• Can I go to jail if I don't pay my debts?

• Does the spouse of a married person also have to file bankruptcy?

• Can I keep any credit cards?

• Will I have to fill out forms?

• Will I have to go to court?

• Are there alternatives to bankruptcy?

• What should I do to prepare for filing bankruptcy?

• Can I file a bankruptcy for my debts, but not include my assets?

• Can I file bankruptcy to delay a creditor?

• Do I have to disclose all of my assets?

Treatment of Debts in Bankruptcy

• Does a bankruptcy relieve me of all of my debts?

• Will bankruptcy stop a wage attachment?

• Will bankruptcy stop a foreclosure?

• Will bankruptcy stop an eviction?

• Will bankruptcy stop a judgment?

• Will a bankruptcy remove a lien?

• Will bankruptcy discharge my obligation to pay community debts?

• Is support dischargeable?

• Can I discharge student loans?

• If I co-signed for a debt, does bankruptcy affect the obligation?

• What if I do not list a creditor on the bankruptcy papers?

What About Assets and Exemptions

• What is an exemption?

• What property is exempt?

• What happens to my personal property, real property and other assets?

• Can I keep my home and automobile?

• Are pension plans and 401(k) plans exempt?

• Are IRA accounts exempt?

Should You Do It Yourself or Hire an Attorney

• Do I need an attorney to file bankruptcy?

• How do I find an experienced bankruptcy attorney?

• What about non-attorney bankruptcy petition preparers?

What Happens After You File Bankruptcy

• What happens after I file a bankruptcy petition?

• Who deals with my creditors during the bankruptcy?

• What is the automatic stay?

• If creditors ignored the automatic stay, what could be done?

• Will the fact that I filed bankruptcy appear on credit reports?

• After bankruptcy, can I obtain new credit?

• How can I re-establish credit after bankruptcy?