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Things to Consider Before Filing Bankruptcy




 
What is Bankruptcy?
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What is the difference between Chapter 7 and Chapter 13?
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Should I file Chapter 7 or Chapter 13?
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How much does Bankruptcy cost, and how am I supposed to pay for it?

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What are Chapters 9, 11, 12 and 15?
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What kinds of collection actions does bankruptcy stop?
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Should I go to a credit counselor, or to a debt consolidation service?
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What other options should I consider before filing bankruptcy?
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Will I lose my home?
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Will I lose all of my other things?
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I have a car (or a house, or furniture, electronics or appliances)
that I do not want to keep. What can I do about that?
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I still owe some money to a certain creditor, but I don’t have that
car (or furniture, appliance, etc.) any more. What happens now?
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Somebody claims that I owe them money, but it is not true. What can I do about that?
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How long does a bankruptcy stay on my credit report?
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Who or what is the Trustee?
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I have filed bankruptcy before (or my spouse has filed before). Can I file again?
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Do I have to have an attorney to file a bankruptcy case?
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What is the difference between a secured claim (or debt) and an unsecured claim (or debt)?
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What is a priority (or "unsecured priority") claim?
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I owe a lot of income taxes. Can you really stop the IRS from coming after me?
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There is one unsecured claim that I want to pay in full. Why can't I do that?
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I own my own business, and that is a major source of my (or our) income. Will I lose my business?
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Do I really have to list all of my creditors? I owe money
to a lot of different people and companies, but all I want to do
right now is to stop a foreclosure, or keep the repo man away from my car.
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The finance company just repossessed my car. Can I get it back?
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I owe some government-backed student loans, or criminal fines. What can I do about that?
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What about my traffic tickets?
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My house is scheduled for foreclosure tomorrow. Can we stop the foreclosure?
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I have heard that a quit claim deed will stop a foreclosure. Is that true?
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I don’t want my employer to know that I am filing. Do I have to tell him?
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Will my friends and family find out that I have filed?
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What is debt consolidation? Will it work for me?
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I have heard that bankruptcy law is about to change. What’s up with that?
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Someone has filed a lawsuit against me, or has taken a judgment against me. What can I do?
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I have been injured, or for some other reason I am filing an insurance claim or a
lawsuit against someone else. How will that be affected by my filing bankruptcy?
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I cannot pay my bills right now, but I have a lot of money coming to me soon from a
lawsuit, or a personal injury or workers compensation settlement, or a disability
payment, etc. Do I still need to file bankruptcy?
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I am married. Does my wife/husband have to file along with me?
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How will bankruptcy affect my credit?
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I am going through a divorce, or have recently been divorced. Will that affect my bankruptcy case, or will
bankruptcy change anything about my divorce?
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IF YOU HAVE AN ACTIVE BANKRUPTCY CASE
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I am supposed to go to Bankruptcy Court. How do I get there, and exactly where do I need to go?
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What is the difference between a case being "discharged" and being "dismissed?"
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I have already filed a case, but I still need to pay the filing fee. Where do I send it?
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How do I make Chapter 13 Plan payments directly to the Trustee?
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My paycheck this week was not big enough to cover my full Plan payment (or, I have temporarily lost my
job). What do I do?
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I have a new job, or my pay schedule has changed. What do I need to do?
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Can I buy a car, or furniture, or something else on time while my case is still active?
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The Chapter 13 Trustee has filed a motion to dismiss my case. What do I do?
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What happens if my chapter 13 case gets dismissed?
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What is the Chapter 13 Plan, and what does it mean for the Plan to be confirmed?
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In Closing

These are only some of the questions that come up every day. Do you have a question that has not been answered here already? If you are in Memphis or west Tennessee, send an email to me by clicking this link:

Attorney@MemphisBankruptcyLawyer.com

I cannot promise to answer every question, but I will do the best I can. Attorneys in other areas can be found at www.NACBA.org or www.NACA.net.

Also, I have to be sure that you understand that these questions are only answered in a very general way. There are a thousand different things that have to be considered in every case. No two cases are ever exactly alike. Even though one of these questions may seem to apply to your situation, there could be one or two details in your case that would lead me to give a different answer than I normally would. If you need more information, call me for an appointment.

Bruce A. Ralston
2400 Poplar Ave.
Suite #200
Memphis, TN 38112
Phone: (901)543-5045