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Will I lose my job if I file for Chapter 7 or Chapter 13 Bankruptcy?

The Bankruptcy law prohibits discrimination based upon a debtor filing for bankruptcy relief or protection. This means that most jobs are not affected by a bankruptcy filing.  Certain jobs that have higher levels of security clearance could be at risk. Lower level security interest jobs may not be a problem.  You should make a discreet effort … Read moreWill I lose my job if I file for Chapter 7 or Chapter 13 Bankruptcy?

Can I keep my home and personal property if I file Chapter 13?

YES. One of the main reasons for filing a Chapter 13 bankruptcy is to keep your home. Usually, if you are behind on your house payments, your Chapter 13 Plan will provide that you begin making your current monthly payments and not get any further behind. Any payments you are behind on will be paid … Read moreCan I keep my home and personal property if I file Chapter 13?

What happens to my real property and other assets after filing Chapter 13?

Once the Chapter 13 bankruptcy is filed, all of the property of the debtor at the time of the filing and certain other property to be received in the future, becomes the property of the bankruptcy estate. This means that the bankruptcy trustee will take control of all non-exempt property for purposes of satisfying the … Read moreWhat happens to my real property and other assets after filing Chapter 13?

Will my employer find out about my Chapter 13 bankruptcy?

Under normal circumstances, unless your employer is a creditor, your employer will not know that you have filed bankruptcy. However, there is a growing trend in Bankruptcy Courts to require wage withholding to fund the Chapter 13 Plan. This means that your employer may receive an order from the Bankruptcy Court to deduct your Chapter … Read moreWill my employer find out about my Chapter 13 bankruptcy?

How long after I file Chapter 13 will the creditors stop calling?

Once a creditor or bill collector becomes aware that you have filed for bankruptcy protection, he or she must stop all efforts to collect the debt. When your bankruptcy is filed, the court will mail a notice to all of the creditors listed in your schedules. This usually takes a week to ten days. You … Read moreHow long after I file Chapter 13 will the creditors stop calling?

Will Chapter 13 filing stop calls from bill collectors?

One of the major benefits of filing for protection under Chapter 13 is that creditor actions are stayed (stopped). This means that debt collection efforts and foreclosure are halted immediately. Chapter 13 also protects co-debtors or co-signers from collection activity while you are making your Chapter 13 payments. Contact us now to inquire about our … Read moreWill Chapter 13 filing stop calls from bill collectors?

What are the most common causes of Chapter 13 Bankruptcy?

The most common reasons for consumer bankruptcy are (a) loss of a job or long-term layoffs; (b) loss of overtime hours; (c) lengthy illnesses and large medical expenses; (d) death or disability of a spouse; (e) separation, divorce and marital problems; (f) seriously over-extended credit; and (g) large unexpected expenses. Contact us now to inquire … Read moreWhat are the most common causes of Chapter 13 Bankruptcy?