Yes, it is possible to file for bankruptcy without legal representation, though it is not recommended unless you are a legal expert. Filing for chapter 13 bankruptcy is an extremely complex procedure, and any error or omission can result in severe financial and legal consequences.
You may be required to liquidate some assets to pay off a portion of your debts, but the majority of your debt will be repaid over time through your monthly repayment plan.
Yes, there are certain debts that will survive bankruptcy. Tax debts, government fines, child support, and student loans predominate.
Yes, once the court notifies your creditors of your bankruptcy, an automatic stay prohibits creditors from taking any further collection actions against you. This includes legal proceedings, wage garnishment, and harassing telephone calls. Creditors may object to your chapter 13 bankruptcy at the Meeting of Trustees, which is overseen by the court.
The majority of the time, retirement savings and IRAs are exempt from bankruptcy protection. Because the exemptions vary by state, you should consult with a bankruptcy attorney to determine whether your retirement savings will be protected.
This depends on the previous chapter you filed under, whether you received a discharge, and how long ago this occurred. Contact your bankruptcy attorney to discuss your options.""
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