Consumer Bankruptcy Information Center

Understanding Chapter 7

• What Can Go Wrong in my Chapter 7 bankruptcy?
   
• What Happens if my Family Income Changes After I File Chapter 7?
   
• What Should I Expect After I File Chapter 7?
   
• What is the Immediate Impact of my Chapter 7 Filing?
   
• How Should I Prepare for my Chapter 7 Meeting of Creditors Hearing?
   
• What Questions will the Trustee Ask at my Chapter 7 Meeting of Creditors?
   
• What is a “Reaffirmation Agreement” and How Does it Work?
   
• What is the Financial Management Course Certificate I Need Prior to Discharge?
   
• Can my Chapter 7 Trustee Re-Open my Case After Discharge?
   
• What Should I Do if I Forgot to List a Creditor and my Case is Now Over?

Understanding Chapter 13

• What Can Go Wrong in my Chapter 13 bankruptcy?
   
• What are the Solutions to Common Chapter 13 Problems?
   
• What Happens if my Family Income Changes After I File Chapter 13?
   
• What Happens After I File my Chapter 13 Case?
   
• What is the Immediate Impact of my Chapter 13 Filing?
   
• How Can I Best Prepare for my Meeting of Creditors Hearing?
   
• What Questions will the Trustee Ask at my Meeting of Creditors?
   
• What are Objections to Confirmation and What Should I Do About Them?
   
• What are the Requirements for Approval of my Chapter 13 Plan?
   
• Can I Amend my Plan after Confirmation?
   
• What are my Responsibilities After Confirmation Until the end of my Case?

Making the Decision to File

Which type of bankruptcy makes the most sense for me? Chapter 7 or Chapter 13

What do the October, 2005 changes to the Bankruptcy Law mean to me?

What are my pre-Filing Credit Counseling Obligations?

Will any of my debts survive bankruptcy?

What if I change my mind - can I cancel my filing

Bankruptcy terminology

Glossary of important terms

What is “means testing” and how does it apply to me?

Notices issued by the Court and by Creditors

• Who gets notified about my bankruptcy (Will my bankruptcy be available to the general public?)
• Will my employer be notified about my bankruptcy filing

Will my ex-spouse be notified about my bankruptcy filing

Special types of debt

• Bankruptcy and child support or alimony
• Child support
• Alimony and property division
• Bankruptcy and Student loans
• Bankruptcy and past due taxes
• Stopping evictions with bankruptcy
• Co-signed debt
• Debt arising from fraud or illegal activity
• Debtor owed to relatives
• Debt arising from vehicle repossession

Protecting my stuff

Will I lose any of my stuff?

8 Most Common pre-bankruptcy mistakes and how we solve these problems

• credit card binge debts
• recent repayment to relatives
• I sold furniture or electronics that was subject to a secured lien
• I filed a BK on my own and because I did not know what to do, the case was dismissed
• credit card balance transfers
• recent use of credit cards

Creditor misconduct in my bankruptcy case-what can I do?

Clark & Washington, Attorneys, 5811 Lee Hwy., Central Office Park,
Suite 404, Chattanooga, TN 37421 Phone: 423-634-1910