Author: Mike Shovan

In every case under Chapter 7 or Chapter 13, a trustee is appointed to supervise your case. Typically most Chapter 7 cases do not contain

The right to receive an income tax refund is property of your bankruptcy estate. Income tax refunds are typically exempted from the reach of your

With a reaffirmation agreement, you agree to pay a debt that you otherwise could have discharged. For example, you have a car loan and you

An exemption is a privilege or an allowance which allows you to retain certain amounts of property in certain classes including your house (homestead) and

Yes. You can file a Chapter 7 bankruptcy 8 years after your last Chapter 7 discharge or 6 years after your last Chapter 13 discharge.

No. You can file as an individual. The decision to file individually or jointly is based on your unique circumstances.

Immediately upon filing – an automatic stay goes into effect which stops all collection activity including letters, phone calls and law suits – even foreclosure