No. You can file as an individual. The decision to file individually or jointly is based on your unique circumstances.
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Immediately upon filing – an automatic stay goes into effect which stops all collection activity including letters, phone calls and law suits – even foreclosure
Absolutely not! Circumstances beyond your control – job loss, job cut backs, divorce, illness – may have caused your financial disaster. You do not have
No. Nobody learns about your bankruptcy unless you tell them. Your bankruptcy filing is part of the public record, but someone would have to know
Yes. Your credit score will improve dramatically 2 to 3 years after you file and you will be able to finance the purchase of a
No. The purpose behind the bankruptcy law is to give you a “fresh start.” The exemption provisions of the law allow you to keep your
No. You can still file bankruptcy under the new law. The new law imposes some additional requirements including credit counseling and a financial management course.