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Frequently Asked Questions

Chapter 13 and Chapter 7 are powerful tools and may be appropriate options for you. On this web site, we have set forth many of the questions frequently asked by our clients. We hope that you will find this "question and answer" section useful and we invite you to e-mail us with new questions or other suggestions.

• Should I file bankruptcy?
• Who can file a Chapter 7 bankruptcy petition?
• What are the most common reasons for a Chapter 7 bankruptcy?
• Who can file a chapter 13 bankruptcy petition?
• Will the bankruptcy stop bill collectors from calling?
• How long after filing will the creditors stop calling?
• Who notifies the creditors and bill collectors?
• Who deals with my creditors and bill collectors during the bankruptcy?
• Will my employer and landlord find out about my bankruptcy?
• Can my employer fire me for filing bankruptcy?
• Can I go to jail if I file bankruptcy or 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?
• Is it true I can cancel all debts by filing bankruptcy?
• Will bankruptcy stop a wage attachment?
• Will bankruptcy stop a foreclosure proceeding?
• Will bankruptcy stop a judgment?
• Will a bankruptcy remove a lien?
• If I am divorced, will bankruptcy eliminate my obligation to pay joint debts?
• Is Alimony Dischargeable?
• Can I discharge student loans?
• If I am a co-signer for a debt, how does bankruptcy affect the obligation?
• What if I fail to list a creditor on the bankruptcy papers?
• What happens to my personal property, real property and other assets?
• What is an "Exemption"?
• Can I keep my home and automobile?
• Are pension plans and 401(k) plans exempt?
• Will the fact that I filed bankruptcy appear on credit reports?
• After bankruptcy, can I obtain new credit?
• How can I re-establish my credit rating after bankruptcy?