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If I file bankruptcy what can it do for me?

If I file bankruptcy what can it do for me?

bankruptcyBankruptcy may make it possible for you to:

Eliminate the legal obligation to pay most or all of your debts. This is called a “discharge” of debts.
It is designed to give you a fresh financial start.

Stop foreclosure on your house or mobile home and allow you an opportunity to catch up on missed payments. (Bankruptcy does not, however, automatically eliminate mortgages and other liens on your property without payment.)

Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.

Stop wage garnishment, debt collection harassment, and similar creditor actions to collect a debt.

Restore or prevent termination of utility service.

Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe.

Indeed, Bankruptcy may permit you a fresh start, debt free. Even if you have assets and earn significant wages, a bankruptcy may still be in your best interests as a Chapter 13 debt reorganization oftentimes permits you to keep assets and your wages, and still be able to discharge a significant propertion of the debt.

The law concerning bankruptcies are complex and do not always make common sense. Therefore, to properly protect your rights or ascertain what your rights are, it is very important that you consult with an attorney or lawyer who can properly address the particulars of your situation.