Chapter 1How to have a Stress-Free Bankruptcy
Chapter 2What is Bankruptcy
Chapter 4What is the procedure?
Chapter 6What can Bankruptcy do for you?
Chapter 8Is Bankruptcy Bad?
Chapter 9What does Bankruptcy cost?
Chapter 10Can I file without my spouse?
Chapter 12Do I lose anything?
Chapter 13Does Bankruptcy "Ruin my Credit"
Chapter 14Can I keep bills off my bankruptcy
Chapter 16What about the Credit Union?
Chapter 18What about my car?
Chapter 19What about my House?
Chapter 20When do creditors stop bothering me?
Chapter 22Joint Accounts with Parents
Chapter 23When do I stop paying creditors?
Chapter 24Gas, Electric & Phone Bills
Chapter 26What Bankruptcy won't solve
Chapter 27Chapter 13 Debt repyament Plans
Chapter 28Will I be able to get credit again?
Chapter 29Bill Consolidation Loans
Chapter 30Bill Consolidation
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 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.