Chapter 1Introduction
Chapter 2Don’t be embarrassed, nervous or afraid
Chapter 3What causes people to need Banruptcy Relief
Chapter 4What is the Procedure to File Bankruptcy?
Chapter 5When should I file bankruptcy?
Chapter 6What do I lose if I file bankruptcy?
Chapter 7What happens to my credit score if I file bankruptcy?
Chapter 8What can bankruptcy do for you?
Chapter 9What Does Bankruptcy Cost?
Chapter 10What is the Real Price Difference Between Bankruptcy Lawyers?
Chapter 11If I am Married, Can I File a Bankruptcy Without my Husband or Wife?
Chapter 12Will My Employer Find Out if I File Bankruptcy?
Chapter 13Does Chapter 7 or 13 Bankruptcy “Ruin My Credit?”
Chapter 14If I File Bankruptcy, Can I Leave Bills or Property or Transfers Off my Bankruptcy Petition?
Chapter 15Can I File Bankruptcy on Bills in Someone Else’s Name?
Chapter 16How Does Filing Bankruptcy Affect My Credit Union?
Chapter 17Can I file bankruptcy if I have co-signers?
Chapter 18What About My Car in Bankruptcy?
Chapter 19What Happens to My House in Bankruptcy?
Chapter 20When Will Creditors Stop Bothering Me?
Chapter 21Cross-Collateralization Agreements in Bankruptcy
Chapter 22Bankruptcy and Joint Accounts with Parents
Chapter 23When do I stop paying my creditors?
Chapter 24Gas, cable, electric and phone bill
Chapter 25Bankruptcy and Divorce, Alimony, & Child Support
Chapter 26What Bankruptcy won't solve
Chapter 27Chapter 13 Debt repayment Plans
Chapter 28Will I be able to get credit again?
Chapter 29Bill Consolidation Loans
Chapter 30Bill Consolidation Scams
Chapter 31Wage Assignments, Deductions and Levies
Chapter 32Student Loans
Chapter 33Can I get rid of Taxes
Chapter 34NSF Checks, Traffic & Parking Tickets
Chapter 35Surrendering Real Estate & Time Shares
Chapter 36Business Bankruptcy
Chapter 37Professional Persons
Chapter 38Do you ever "Not Get" a Discharge?
Chapter 39File bankruptcy for the debts of my deceased spouse or child?
***If three or more of the following apply to you, you should see a bankruptcy lawyer now.
***If more than 5 of the following apply to you, you should have already seen us 3 months ago!!!
_____My debt is over $5000 not including a car or house.
_____My payments are over 25% of my take home pay.
_____I am frequently late on my payments.
_____I pay 20% interest on my debt.
_____I buy necessary items like food or clothing on credit.
_____I frequently get cash advances.
_____I am thinking about getting a loan to pay other loans.
_____Someone has filed a lawsuit against me.
_____Collection agencies are calling me.
_____I am "robbing Peter to pay Paul."
_____My balances are not going down even though I make payments.
_____I have been turned down for more credit.
_____Payments are more than 1 month behind on more than one bill.
_____My drivers license is suspended because of an accident.
_____I can't afford car insurance.
_____My mortgage or rent is always late, or is behind.
_____We are getting divorced and have too many bills to pay.
_____I have medical bills over $5000 that are not insured.
_____There is a garnishment or wage assignment on my check.
_____I owe income taxes I can't pay now.
_____My car is worth much less than I owe.
_____I have no savings.
If none of these apply to you, congratulations!! You are living the American Dream.