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Bankruptcy on Balance
- Allows you to get caught up on past due home and car loan payments in an amount you can afford
- Allows you to reaffirm on your home and car loans and keep those items moving forward
- Discharges your personal responsibility for unsecured debt
- Immediately stops lawsuits and home foreclosures
- May allow for reinstatement of a driver’s license suspended following an uninsured accident
- Myth: All my debts are wiped out in my bankruptcy
- Myth: Filing for bankruptcy is a sin
- Myth: I'll never get credit again
- Myth: I can choose which creditors I want to include in my bankruptcy and keeping paying the ones I don't want to include
- Myth: I can keep using my credit cards up to the day before filing in bankruptcy
- Myth: I can take out a payday loan to pay my bankruptcy attorney and have that debt discharged
- Myth: If I'm married my spouse has to file too
- Myth: In order to keep my car and other favorite items, I should transfer them to a family member or friend
- Myth: I’ll be required to surrender my house and car
- Myth: My employer can fire me for filing bankruptcy
- Myth: My employer gets notice of my bankruptcy
- Myth: You can't get rid of past due income taxes in a bankruptcy
- Protects the equity in your home from attachment by your creditors (up to a legal limit)
- Silences harassing creditor collection calls & letters
- Stops interest, late fees and over limit fees on credit cards
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FAQs
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Bankruptcy Chapter 13 FAQ
- Can I pay off my Chapter 13 Plan early or in one lump sum?
- Do the Chapter 13 payments have to be deducted from my wages or can I pay them directly myself?
- How does a Chapter 13 work?
- If I lose my job and have to go on unemployment, will the Bankruptcy Court take my payments out of the unemployment checks?
- If I qualify for a Chapter 7 bankruptcy, why might I choose to be in a Chapter 13 instead?
- I have past due child support for a child who is already over 18. How is old child support treated in a Chapter 13?
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Bankruptcy Chapter 7 FAQ
- Can I file bankruptcy on past due income taxes?
- Can I include past due gas, electric, cable and telephone bills in my bankruptcy?
- Can I keep the money I am supposed to receive from a car accident injury I had last year?
- How long does the initial meeting in your office take?
- If I forget about a creditor and fail to list them in my bankruptcy, will I have to pay that creditor after all?
- I just moved to Illinois 4 weeks ago, can I file Bankruptcy here or do I have to go back to where I lived last month?
- Is my life insurance an asset? Will I be required to cash them in?
- Is past due child support of spousal support dischargeable in bankruptcy?
- My job required me to provide my own tools. Are my tools a part of my bankruptcy estate even though I will lose my job if I have to surrender them?
- What happens to my income tax refund if I haven't received it yet when I file bankruptcy?
- What is the 341 First Meeting of Creditors and what happens there?
- What questions will I be asked at the First Meeting of Creditors?
- Will I be able to keep my furniture, appliance, and electronics? What about my clothing?
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General Bankruptcy FAQ
- Can I choose which of my creditors I want to file bankruptcy on?
- Does my bankruptcy get reported in the newspaper?
- Does my spouse have to file with me or can I file by myself?
- How does bankruptcy treat loans I have from my parents or good friends?
- How much debt do you need to file Bankruptcy?
- How much does it cost to file for bankruptcy?
- How quickly do I need to pay the costs of filing for bankruptcy?
- How soon can a bankruptcy case be filed?
- I've been struggling with my debt for a long time but my pastor tells me filing for bankruptcy is a sin?
- If I file individually even though I am married, will my bankruptcy affect my spouse's good credit?
- If I get a discharge of a debt that my dad co-signed on, is the debt wiped out for him too?
- Is it true all of my debt will be wiped out in my bankruptcy?
- Is it true the Bankruptcy court will put my house and car up for sale and use the money to pay my creditors?
- Should I sign the title to my cars over to a family member before filing?
- What do I tell my creditors when they call before I file bankruptcy? After I file?
- What if I have student loans? Can I still finish school or will I have to pay cash from now on?
- What is the difference between secured debt and unsecured debt?
- Will a bankruptcy stop a garnishment from my paycheck that is already coming out?
- Will my employer get notified of my bankruptcy?
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Bankruptcy Chapter 13 FAQ
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