The Complete Bankruptcy Book by



Chapter 1  How to have a Stress-free Bankruptcy



Chapter 2  What is Bankruptcy?



Chapter 3  What causes people to need Bankruptcy ?


Chapter 4  What is the Procedure?


Chapter 5 When you should consider Chapter 7 or 13 ?


Chapter 6  What can Bankruptcy do for you?


Chapter 7  Common Misunderstandings about Bankruptcy


Chapter 8 Is Bankruptcy Bad?


Chapter 9  What does Bankruptcy cost?


Chapter 10
Can I file without my spouse?


Chapter 11
Does my Employer know if I file Bankruptcy?


Chapter 12  Do I lose anything?


Chapter 13 Does Bankruptcy "ruin my credit"?


Chapter 14 Can I keep bills off my bankruptcy?


Chapter 15
Bills or property in someone else's name or possession


Chapter 16 What about the Credit Union?


Chapter 17  Co-Signers


Chapter 18  What about my car?

Chapter 19   What about my House?

Chapter 20   When do creditors stop bothering me?

Chapter 21 What cross-collateralization agreements?

Chapter 22  Joint Accounts with parents

Chapter 23 When do I stop paying my creditors?

Chapter 24 Gas, Electric and Phone Bills

Chapter 25  Bankruptcy & Divorce, Alimony & Child Support

Chapter 26  What Bankruptcy won't solve

Chapter 27 Chapter 13 Debt Repayment Plans

Chapter 28  Will I be able to get credit again?

Chapter 29  Bill Consolidation Loans

Chapter 30  Bill Consolidation

Chapter 31  Wage Assignments, Deductions & Levies

Chapter 32  Student Loans

Chapter 33 Can I get rid of Taxes?

Chapter 34 NSF Checks, Traffic & Parking Tickets

Chapter 35 Surrendering Real Estate & Time Shares

Chapter 36  Business Bankruptcy

Chapter 37 Professional Persons

Chapter 38 Do you ever "Not Get" a Discharge?

Chapter 39 About Geraci Law and Attorney Peter Francis Geraci, J.D.

Chapter 40 What Are Bankruptcy Infotapes?


Chapter #34 NSF Checks, Traffic & Parking Tickets

Chapter 13 can re-instate your drivers’ license if you have toll way fines, parking or red light camera tickets, or an insurance suspension. Chapter 7 is of help only with insurance suspensions.  Neither Chapter 7 nor Chapter 13 work with speeding or other criminal or moving violations.

NSF checks can be listed on any bankruptcy petition. If it is a check to a casino, and they have a deal with your local sheriff, we recommend paying it. It is may be a criminal offense to write a check without having funds in the account first. Usually, a bankruptcy will get rid of the debt for the bad check, but if you have already been charged with a crime, I cannot get the criminal case dismissed. Also, if the creditor wants to make an issue of it, the dischargeability of the bad check debt can be contested. I rarely see this happen, though, in the case of small consumer bad checks, so probably you can clear up this problem with a bankruptcy.

 In a Chapter 13 Debt Repayment Plan, we schedule parking tickets as priority claims to be paid in full, and schedule NSF checks just like regular unsecured debts, and cure your parking ticket problem

Problem: Karen bounced four checks when a check someone wrote to her bounced. She has $14,000 outstanding in charge card debt, and had to catch up her car payment instead of redeeming the bounced checks. She also had a suspended drivers’ license because of $3,000 in parking tickets she could not get a payment plan on with the city. She has a high interest car payment.

The Peter Francis Geraci Chapter 7 or 13 Solution: She can file a Chapter 13 and have one lower payment for all debt, including her car loan, charge cards and parking tickets.  We will also list her NSF checks, and most likely will have no debt left except her car payment, unless she bounced the checks deliberately. She can pay all debt using chapter 13, for the same or $100 more than her car payment is right now.



© 2015 Peter Francis Geraci