It’s a matter of timing. And that timing depends on whether you previously filed under Chapter 7 or 13, and what you are filing under now.
Don’t get caught up in a “fraudulent transfer.” It’s easier than you might think to do so, because it doesn’t take fraudulent intent.
The federal court itself says it is “extremely difficult” to go through a Chapter 7 case successfully without an attorney.
Not under Chapter 7; more likely under Chapter 13. But it’s illegal to be fired or discriminated against in your job for filing bankruptcy.
In general, you must include every creditor in your bankruptcy documents. Most concerns you may have about this can be satisfied.
A bankruptcy filing is a matter of public record, so anybody can find out about it. But mostly just your creditors will know.
In so many often surprising ways, bankruptcy can fix your earlier mistakes, undo harms caused by creditors, and clear a better path forward.
Bankruptcy can often do SO much more than just write off debts. In many (but not all circumstances) it can get your license back.
If you’re careful it’s easy to avoid the rude surprise of hurting the friend, relative or other creditor you paid before filing bankruptcy.
“Credit counseling” is necessary before you can file a bankruptcy case. But it is only good for 180 days. Be sure to file before it expires.
Waiting until just the right time to file a Chapter 7 bankruptcy can help avoid being bounded into a 3-to-5-year Chapter 13 case.
Take advantage of the fact that the law happens to treat certain creditors better than others.
The peculiar way that the means test is calculated may give you some opportunities.
Gift-giving and gift-getting have a dangerous twist during the holiday season, if you, or your gift-giver, is in financial trouble.
The holiday season is a time to be nice. But don’t do so by paying relatives & friends what you owe them if you are considering bankruptcy.