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Each person who files for consumer bankruptcy protection, either chapter 7 or chapter 13, is required to complete a pre-petition credit counseling course.

Alabama Bradford Botes took time to speak with laws.com about bankruptcy, bad luck, and waiting too long to hire a bankruptcy attorney for their article "Bad Things Happen To Good People"

Many clients that I meet with regarding bankruptcy ask me “What is a Chapter 11 bankruptcy case?”   A Chapter 11 bankruptcy allows an individual or a business to reorganize debts while being protected from creditors.

The answer is usually no.  The amount that each debt is paid is determined on a case by case basis and in some circumstances, certain debts are not paid back at all. Instead, these debts are discharged upon completion of the case. There are many different factors that go into determining what debts must be paid. Let’s go over a few.

There are many things you can do to help your Bankruptcy attorney assist you in achieving a successful case. First and foremost, answer all of your attorney’s questions honestly. If you are not forthright with your attorney they cannot help you make the best decisions to obtain future financial freedom.

When most people think of bankruptcy, negative thoughts often come to mind.

The Fair Debt Collection Practices Act is a federal law which proscribes and restricts a number of actions that debt collectors, collection agencies and lawyers can take if they are pursuing you on a debt. Debt collectors, collection agencies and lawyers are not allowed to harass you or abuse you in trying to collect a debt.