Frequently Asked Questions

1. How long does it take before my debts are discharged?

2. Can I pick and choose which assets to put into a personal bankruptcy?

3. What does reaffirm mean?

4. What exactly can I exempt?

5. Do I have to appear before a bankruptcy judge?

6. What is a 341 meeting? 

7. I thought bankruptcy stopped foreclosure? Can they still take my house?

8. Can I keep my house, cars or pets?

9. Do my spouse and I have to file jointly?

10.  If only my spouse files, what am I liable for and what happens to my credit?

11. Can I be discriminated against for filing bankruptcy?

12. Can filing bankruptcy stop bill collectors from calling?

13. Will my utility services be affected?

14. Can I erase my student loans by filing bankruptcy?

15. Why is it legal to "wipe out" our debts?

16. Do I have to pay my bills during the bankruptcy proceeding?

17. What Won’t Bankruptcy Do For Me?

18. Who Should Consider Filing for Bankruptcy?

19. Will My Employer Know I Filed for Bankruptcy?