Frequently Asked Questions 
 

Frequently Asked Questions - General

What is a chapter 7 bankruptcy?

What happens when I file a chapter 7 bankruptcy?

Why do people file a chapter 7 bankruptcy?

What is chapter 13 bankruptcy?

Why do folks file a chapter 13 bankruptcy?

How often can I file bankruptcy?

How much does it cost to file for bankruptcy?

What assets can I keep after I file bankruptcy?

Can I keep my house and/or car after I file bankruptcy?

What debt will bankruptcy NOT get rid of?

Will I have to go into court?

Will filing bankruptcy affect my credit?

Can I get a credit card after filing bankruptcy?

Will my utility services be affected?

Can I be discriminated against for filing bankruptcy?

What is the effect of bankruptcy on co-signers?

Can a married debtor file without the other spouse?

Can filing bankruptcy stop bill collectors from calling?

How long after filing bankruptcy will the creditors stop calling?

Can I erase my student loans by filing bankruptcy?

Frequently Asked Questions - Discharge

What is a discharge in bankruptcy?

When does the discharge occur?

How does the debtor acquire a discharge?

Does the debtor have a right to a discharge or can creditors dispute the discharge?

Can the debtor acquire a second discharge in a later chapter 7 case?

Can the discharge be revoked?

May the debtor pay a discharged debt after the bankruptcy case has been concluded?