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Consumer Bankruptcy
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Can't make plan payments
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State Specific Content
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Bankruptcy Law - Consumer Bankruptcy Center
Bankruptcy Law - Consumer Bankruptcy Information
General Consumer Bankruptcy Questions
What is bankruptcy?
Should I file for bankruptcy? How do I know when I should do so?
Are there alternatives to bankruptcy?
What are the different chapters under which an individual can file?
What is involved in the bankruptcy process?
Under the new bankruptcy law, how is it determined whether I can file a Chapter 7 or a Chapter 13 repayment plan?
Where do I file a bankruptcy petition?
What are the options for someone whose Chapter 7 filing would be abusive?
What law and rules apply to a bankruptcy?
Under the new bankruptcy law, what are the new documentation requirements?
Who decides bankruptcy cases?
Credit counseling and other educational requirements under the new bankruptcy law are required of debtors. What do they entail?
CA --
What are the deadlines for filing a proof of claim with the Bankruptcy Court?
Can my bankruptcy case ever be reopened?
Can I switch to a chapter 7 bankruptcy after filing a chapter 13?
Is there any relief for victims of disaster (i.e., Katrina) under the new bankruptcy provisions?
Suppose I leave out a debt on my petition?
What happens to lawsuits and attachments that have already been filed against me?
Is Social Security counted as income in the means test under the new bankruptcy law?
CA --
What happens to my civil lawsuit when the defendant files for bankruptcy?
Does a bankruptcy filing stop a wage attachment?
I moved recently. How might that affect a bankruptcy case?
How much of my home equity is off-limits to creditors under the new bankruptcy law?
What is a hardship discharge in a Chapter 13 bankruptcy?
Are my retirement assets, college savings plans, and asset protection trusts protected under the new bankruptcy law?
Can I use my credit cards?
Under the new bankruptcy law, what will happen on my car loan?
Can I keep some of my credit cards?
What happens to unpaid child support and alimony in the new bankruptcy law?
Under the new bankruptcy law the list of debts that cannot be discharged is expanded. What are the new debts that can’t be wiped out?
How can I escape from my student loan debt?
How often can I file successive bankruptcies under the new bankruptcy law?
Does the automatic stay still apply to a residential lease under the new bankruptcy law?
Freeing me from my debts in bankruptcy is in exchange for losing some of my possessions. How does that work?
Are there new requirements concerning the addresses for creditors?
What property can I keep in a Chapter 7 bankruptcy filing?
Can I use bankruptcy to protect my assets?
What property will I lose in a chapter 7 case?
What is a discharge in bankruptcy?
I have no property or assets to turn over to the trustee. Can I still file?
What is a chapter 13 bankruptcy?
Can my employer fire me because of my bankruptcy?
Who is eligible for a Chapter 13 bankruptcy?
Who creates my Chapter 13 bankruptcy plan?
What is disposable income for purposes of Chapter 13?
Can I keep my house if I file bankruptcy?
Can I be sent to jail for filing bankruptcy?
Can I pay off my bankruptcy plan early?
I can’t make the payments due under my Chapter 13 bankruptcy plan. What can I do?
Can I keep my car if I file bankruptcy?
Which debts are discharged in bankruptcy?
Can I repay a creditor if I want to - even after bankruptcy?
My creditor is attempting to collect on a discharged debt. What can I do?
Can a creditor ask a debtor to reaffirm the debt?
What is a reaffirmation agreement?
CA --
What prevents my creditors from coming after me when I file for bankruptcy?
What is the automatic stay?
CA --
How long does this automatic stay remain in effect?
CA --
Can a creditor obtain relief from the automatic stay?
Suppose a creditor forgets to file a proof of claim?
My spouse is declaring bankruptcy. Should he file alone or should we file together?
A lender has a mortgage lien. What is a lien and does it affect my bankruptcy case?
What does it mean to avoid a lien?
My lender is foreclosing on my home. Will filing bankruptcy stop this action?
If I file for bankruptcy or cannot pay my bills, is my retirement plan protected?
How often can I file for bankruptcy?
Will bankruptcy discharge my past-due income taxes?
Who owns my tax refund?
Do I have to pay taxes during my bankruptcy case?
How long does my bankruptcy remain on my credit report?
Can I stay in my apartment?
Can the state deny me a license or permit because of my bankruptcy?
A relative died after my case was filed. What happens to the life insurance proceeds?
Can utility companies shut off service during bankruptcy?
What is redemption?
I am in a same-sex relationship. How does that affect bankruptcy?
How does bankruptcy affect a joint account holder?
Can I shelter property by transferring it to family members?
What about family gifts?
Will the Uniform Transfers to Minors Act help me provide for my children?
What effect does bankruptcy have on child support?
What will happen to tuition prepayments for my children?
I got divorced after my case was filed. What happens to my property settlement?
Will bankruptcy affect my right to recover for injuries I previously suffered in an accident?
Key terms used in bankruptcy
What is surrender?
Alternatives to bankruptcy
Should I file for bankruptcy? How do I know when I should do so?
Are there alternatives to bankruptcy?
What is a reaffirmation agreement?
Asset protection technique
Can I use bankruptcy to protect my assets?
What about family gifts?
Can I shelter property by transferring it to family members?
Automatic stay
What is the automatic stay?
CA --
What prevents my creditors from coming after me when I file for bankruptcy?
CA --
How long does this automatic stay remain in effect?
CA --
Can a creditor obtain relief from the automatic stay?
CA --
What if the court will not lift the stay?
Bankruptcy process
What are the different chapters under which an individual can file?
What is involved in the bankruptcy process?
What law and rules apply to a bankruptcy?
Can my bankruptcy case ever be reopened?
What is the automatic stay?
Who decides bankruptcy cases?
Where do I file a bankruptcy petition?
Do I need an attorney to file for bankruptcy?
Can I switch to a chapter 7 bankruptcy after filing a chapter 13?
I can’t make the payments due under my Chapter 13 bankruptcy plan. What can I do?
What is redemption?
What is surrender?
Bankruptcy terminology
Key terms used in bankruptcy
Can't make plan payments
I can’t make the payments due under my Chapter 13 bankruptcy plan. What can I do?
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
What is Chapter 13 bankruptcy?
Who is eligible for a Chapter 13 bankruptcy?
How does chapter 13 work?
Who creates my Chapter 13 bankruptcy plan?
What is disposable income for purposes of Chapter 13?
Can I pay off my bankruptcy plan early?
Freeing me from my debts in bankruptcy is in exchange for losing some of my possessions. How does that work?
Can I keep my house if I file bankruptcy?
What is a hardship discharge in a Chapter 13 bankruptcy?
How often can I file for bankruptcy?
Child support and bankruptcy
What effect does bankruptcy have on child support?
Co-signers
How does filing bankruptcy affect a co-signer?
Credit cards
Which debts are discharged in bankruptcy?
Can I keep some of my credit cards?
Can I use my credit cards?
Can I get into trouble with balance transfers?
Credit report
How long does my bankruptcy remain on my credit report?
Creditors
What rights and remedies does a creditor have in the bankruptcy case?
Suppose a creditor forgets to file a proof of claim?
Can a creditor ask a debtor to reaffirm the debt?
What is a reaffirmation agreement?
CA --
What prevents my creditors from coming after me when I file for bankruptcy?
What is the automatic stay?
CA --
Can a creditor obtain relief from the automatic stay?
CA --
How long does this automatic stay remain in effect?
Can I repay a creditor if I want to - even after bankruptcy?
How does filing bankruptcy affect a co-signer?
My creditor is attempting to collect on a discharged debt. What can I do?
My lender is foreclosing on my home. Will filing bankruptcy stop this action?
A lender has a mortgage lien. What is a lien and does it affect my bankruptcy case?
How long does my bankruptcy remain on my credit report?
What is redemption?
What is surrender?
Debtor's exemptions
What property can I keep in a Chapter 7 bankruptcy filing?
What property will I lose in a chapter 7 case?
Freeing me from my debts in bankruptcy is in exchange for losing some of my possessions. How does that work?
Can I keep my car if I file bankruptcy?
Can I keep my house if I file bankruptcy?
I have no property or assets to turn over to the trustee. Can I still file?
Debts
What is a discharge in bankruptcy?
What is a hardship discharge in a Chapter 13 bankruptcy?
Which debts are discharged in bankruptcy?
Suppose I leave out a debt on my petition?
How does bankruptcy affect a joint account holder?
Divorce decree property
I got divorced after my case was filed. What happens to my property settlement?
Discharge
What is a discharge in bankruptcy?
What is a hardship discharge in a Chapter 13 bankruptcy?
Home or Residence
Can I keep my house if I file bankruptcy?
A lender has a mortgage lien. What is a lien and does it affect my bankruptcy case?
My lender is foreclosing on my home. Will filing bankruptcy stop this action?
Can I stay in my apartment?
Can utility companies shut off service during bankruptcy?
Lawsuits
What happens to lawsuits and attachments that have already been filed against me?
Will bankruptcy affect my right to recover for injuries I previously suffered in an accident?
CA --
What happens to my civil lawsuit when the defendant files for bankruptcy?
Liens
A lender has a mortgage lien. What is a lien and does it affect my bankruptcy case?
What does it mean to avoid a lien?
Means test
What is involved in the bankruptcy process?
If I file for bankruptcy or cannot pay my bills, is my retirement plan protected?
Under the new bankruptcy law, how is it determined whether I can file a Chapter 7 or a Chapter 13 repayment plan?
Is Social Security counted as income in the means test under the new bankruptcy law?
Under the new bankruptcy law, what will happen on my car loan?
Minors
Will the Uniform Transfers to Minors Act help me provide for my children?
What will happen to tuition prepayments for my children?
What effect does bankruptcy have on child support?
No assets
I have no property or assets to turn over to the trustee. Can I still file?
CA --
What are the deadlines for filing a proof of claim with the Bankruptcy Court?
Retirement plans
If I file for bankruptcy or cannot pay my bills, is my retirement plan protected?
Spouses
My spouse is declaring bankruptcy. Should he file alone or should we file together?
I am in a same-sex relationship. How does that affect bankruptcy?
Student loans
How can I escape from my student loan debt?
Taxes
Will bankruptcy discharge my past-due income taxes?
Do I have to pay taxes during my bankruptcy case?
Who owns my tax refund?
Types of personal bankruptcy
What is bankruptcy?
What are the different chapters under which an individual can file?
What is a chapter 13 bankruptcy?
Who is eligible for a Chapter 13 bankruptcy?
How does chapter 13 work?
Who creates my Chapter 13 bankruptcy plan?
What is disposable income for purposes of Chapter 13?
Can I pay off my bankruptcy plan early?
State Specific Content
CA --
What if anything can I do about this?
CA --
Can a creditor obtain relief from the automatic stay?
CA --
What are the deadlines for filing a proof of claim with the Bankruptcy Court?
CA --
What if the court will not lift the stay?
CA --
What is the wild card?
CA --
How long does a bankruptcy remain on my credit record?
CA --
What are the various type of bankruptcies?
CA --
Does an individual filing a California bankruptcy use the federal exemptions or the California exemptions?
CA --
What prevents my creditors from coming after me when I file for bankruptcy?
CA --
How long does this automatic stay remain in effect?
CA --
What happens to my civil lawsuit when the defendant files for bankruptcy?
IL --
Does illinois have its own set of exemptions?
IL --
Can an individual who is filing bankruptcy in illinois chose the federal exemptions rather than the state's?
IL --
What does the term ‘wild card’ refer to?
IL --
What are some of the common exemptions allowed by the state?
IL --
What debts are canceled under illinois law?
IL --
What property can I keep after filing bankruptcy?
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