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Colorado Springs Bankruptcy

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What Else Should I Know?


Utility services
--Public utilities, such as the electric company, can't cut off your service because you have filed for bankruptcy. But they can require yout to pay a deposit in the future.

Discrimination--No employer or government agency can discriminate against you due to your filing bankruptcy.

Driver’s license--If you lost your drivers license for failure to pay court-ordered damages caused in an accident, filing bankruptcy will let you get it back.

Co-signers--If somebody has co-signed a loan with you and you file for bankruptcy, they might have to pay the debt. If you file a chapter 13, you might be able to protect them depending upon your chapter 13 plan.

Discharge–You should receive your Order of Discharge about four months after your meeting of creditors.

Spouse–Your spouse’s assets are not included in your case unless you file a joint petition together. Likewise, if you file your case individually, your discharge will not cancel your spouse’s debts. A married couple can file a joint petition but don't have to.

What is Bankruptcy? 

What Can Bankruptcy Do for Me? 

What Bankruptcy Can Not Do


What Different Types of Bankruptcy Should I Consider? 

What Will Happen to My Home and Car If I File Bankruptcy?

Can I Own Anything After Bankruptcy?

Will Bankruptcy Wipe Out All My Debts?

Will I Have to Go to Court?

Will Bankruptcy Affect My Credit?


What Else Should I Know?

What is the Bankruptcy Code?

Is the Bankruptcy Court a State or Federal Court? 

Who can file bankruptcy?

Do I need an attorney to file for bankruptcy?

What are the different "Chapters" in bankruptcy? 

What is a Joint Bankruptcy Petition? 

Does my spouse have to file if I file?

What is a Bankruptcy Trustee? 

What documents are needed to file bankruptcy? 

How much is the Court filing fee?

What about credit counseling and personal financial management instruction-what is the difference between the two? 

What is the “Means Test”? 

How can I change or correct information in the petition, statements, and schedules I have filed? 

What is a Meeting of Creditors? What happens there?

I don't live in the Denver Metropolitan area. Where will my Creditors Meeting be held?

How do I know if a debt is secured, unsecured, priority, or administrative? 

What are exemptions? 

What happens after I file my bankruptcy case? 

What is a discharge? 

What is the Difference between a Denial of Discharge and a debt being nondischargeable? 

I attended a Section 341 Meeting of Creditors before my case converted to another chapter. Do I have to attend another meeting? 

What if my case is dismissed? 

My case was dismissed because I failed to pay all of the installments of the filing fee. Can I file a new bankruptcy case? If so, can I pay the new filing fee in installments? 

What is a Reaffirmation Agreement? 

What is a Motion for Relief from Stay?

What can I do if a creditor keeps trying to collect money after I have filed a bankruptcy? 

What services can a "Bankruptcy Petition Preparer" provide? 

Will the Judge advise me of my options during the bankruptcy case? 

May I speak directly with a Bankruptcy Judge?

What is an Adversary Proceeding?

If my case gets dismissed, or I change my mind about filing, can I get my filing fee refunded? 

When am I under bankruptcy protection?

Who has access to my bankruptcy file? 

Will all my creditors be notified of my discharge? 

When is my case complete? 

How soon after I get my discharge can I file for bankruptcy again? 

Will the U.S. Bankruptcy Court provide and pay for an interpreter for me? 

What if a creditor tries to collect money after I get a discharge? 

How can I get another copy of my discharge? 

How many years will a bankruptcy show on my credit report? 

How do I get errors removed from my credit report?

Important Disclosure - READ THIS

Back to Bankruptcy FAQs

 

I welcome your questions and will be happy to provide you with a free initial consultation.  Just give me a call or send a fax or e-mail:

Robert J. Doig
Attorney at Law
SpringsBKLaw.com

2985 Broadmoor Valley Road, Suite 4
Colorado Springs, CO 80906
719 227-8787  Office
719 325-8355  Fax
Info@SpringsBKLaw.com


We are a debt relief agency. We help people file for relief under the Bankruptcy Code.