If you received a Chapter 7 bankruptcy discharge in the past, you must wait eight years before filing another Chapter 7 case. But this doesn’t mean that you are out of options if you are facing overwhelming debt again.
Whether you file for a petition for relief under chapter 7 or chapter 13 , the Bankruptcy Code will immediately protect you from most collection efforts in civil lawsuits filed against you by a creditor, collection agency, or government agency.
You Can Keep (Exempt) Most Retirement Accounts in Bankruptcy -- You can use bankruptcy exemptions to protect property you need to work and live, such as some equity in a home, a very modest car, and household belongings. With a combination of state (…
My law practice focuses exclusively on consumer bankruptcy law. I can help you decide if bankruptcy will solve your problems and which program, Chapter 7 or Chapter 13, is best suited to meet your financial needs. I have learned about the bankruptcy system in the District of Utah from the inside out.