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Archives for June 2012

Can a Utility Company “Shut Off” my Service if I file for Bankruptcy in Michigan?

Federal bankruptcy law prohibits a utility, from “altering, refusing, or discontinuing service to, or discriminating against, a trustee or a debtor solely on the grounds that the debtor had not paid its prepetition debts when due” after a customer has filed a petition for bankruptcy. Be aware – this prohibition only applies for a limited…

Is Bankruptcy Confidential? Who will find out about my bankruptcy? I get this question a lot. My answer is that most people in your day to day life won’t know that you filed for bankruptcy unless you tell them. The only people that get notice of your bankruptcy filing are your creditors. If you don’t owe anybody money – they won’t get notice of your filing. And, most creditors are nationally based banks like Citicorp, Bank of America and HSBC. These big companies aren’t going to broadcast your situation – they don’t even send a repre

I get this question a lot. My answer is that most people in your day to day life won’t know that you filed for bankruptcy unless you tell them. The only people that get notice of your bankruptcy filing are your creditors. If you don’t owe anybody money – they won’t get notice of your…