Full FAQ transcript

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• How long does it take?

  The entire process, from filing to discharge, typically takes a few months.

• What debts can be discharged?

  Unsecured debts (like credit card debt, medical bills) are discharged, except for student loans, child support, and certain tax debts.

• What about secured debts (mortgage, car finance agreement)?

  If you want to keep the property securing the debt (like a house or car), you will need to continue making payments.

• What will happen to collection calls and legal letters I am receiving from my creditors?

  Filing a Chapter 7 bankruptcy triggers an automatic stay and collectors will no longer be permitted to contact you.

• How will bankruptcy affect my credit?

  It can significantly lower your credit score. However, when your credit is already significantly damaged by overwhelming debt and missed payments, bankruptcy provides a clean slate and the opportunity to begin rebuilding your credit through responsible financial management and establishing new credit accounts with timely payments. After your debts are discharged you can immediately begin to rebuild your credit and, while there are a number of ways to accomplish this, we would be happy to recommend a consumer lender who can make you a loan after your debts are discharged, provided you are employed.

• I already filed Chapter 7, can I file again?

  Yes, so long as it is 8 years after the date that the prior bankruptcy case was filed.

• Can I file a Chapter 7 without an attorney?

  Yes, but it's often advisable to seek legal counsel due to the complexity of bankruptcy law.