• Can I keep my credit cards?
• Do I qualify for bankruptcy?
• Will filing bankruptcy keep the creditors off my back?
• Should I file with my spouse?
• What will happen to my credit record?
• Will I still have to pay taxes after I file?
• Can I keep my home and vehicle?
• How can I learn more about bankruptcy?

Can I keep my credit cards?
You will not be allowed to charge anything at all once you file. The trustee will make you cut all of your cards in half. There are some exceptions, but you should consult with an attorney for these.
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Do I qualify for bankruptcy?
You could possibly qualify for either a chapter 7 or chapter 13. Both have specifics that are unique to each filing. However, if you have more money at the end of the month, and are struggling financially, you should contact our office for a consultation.
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Will filing bankruptcy keep the creditors off my back?
Once you file for bankruptcy, creditors and collection agencies are stopped from their attempting to contact you. Some circumstances are in exception to this, but a qualified attorney can explain these to you.
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Should I file with my spouse?
As all married people know, there are advantages and disadvantages when deciding to file or sign for something jointly or separately. The same is true especially for filing bankruptcy. It is necessary to examine the particulars of your situation to assess whether or not you should file jointly or not.
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What will happen to my credit record?
Bankruptcy will show up on your credit record and will without a doubt, hamper your future ability to get new credit. Chapter 7 will be on your record for 10 years. However, creditors may sometimes be more willing to give credit to someone who has no debt than to someone who is drowning in it.
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Will I still have to pay taxes after I file?
Most people are unaware that the law does provide for some protection from having to pay some types of taxes once you file for bankruptcy. It is possible to discharge taxes but only those based on a certain number of factors. Our office can go over your tax status with you and see what we can do.
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Can I keep my home and vehicle?
When dealing with stopping a foreclosure or repossession, the law is very complicated and whether or not someone may keep his or her property is a matter that requires the close attention of an experienced attorney. Depending on a number of factors including, but not limited to, how much equity is in your home, and your payment history, it is possible you may be able to retain your home or vehicle.
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How can I learn more about bankruptcy?
By simply calling or e-mailing our office, you can learn the answers to these or any other questions you may have about bankruptcy from any of our experienced attorneys. Let us help you help yourself out of a life of debt.
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