The Complete Book on Bankruptcy

By respected consumer bankruptcy attorney

Peter Francis Geraci J.D.

Chapter 1
How to have a Stress-Free Bankruptcy

Chapter 2
What is Bankruptcy

Chapter 3
What causes people to need Banruptcy Relief

Chapter 4
What is the procedure?

Chapter 5
When you should consider Chapter 7 or Chapter 13 plans?

Chapter 6
What can Bankruptcy do for you?

Chapter 7
Common Misunderstandings about Bankruptcy

Chapter 8
Is Bankruptcy Bad?

Chapter 9
What does Bankruptcy cost?

Chapter 10
Can I file without my spouse?

Chapter 11
Does my Employer know if I file Bankruptcy?

Chapter 12
Do I lose anything?

Chapter 13
Does Bankruptcy "Ruin my Credit"

Chapter 14
Can I keep bills off my bankruptcy

Chapter 15
Bills or property in someone else's name or posession

Chapter 16
What about the Credit Union?

Chapter 17
Co-Signers

Chapter 18
What about my car?

Chapter 19
What about my House?

Chapter 20
When do creditors stop bothering me?

Chapter 21
What are Cross-collateralization Agreements?

Chapter 22
Joint Accounts with Parents

Chapter 23
When do I stop paying creditors?

Chapter 24
Gas, Electric & Phone Bills

Chapter 25
Bankruptcy & Divorce, Alimony & Child Support

Chapter 26
What Bankruptcy won't solve

Chapter 27
Chapter 13 Debt repyament Plans

Chapter 28
Will I be able to get credit again?

Chapter 29
Bill Consolidation Loans

Chapter 30
Bill Consolidation

Chapter 31
Wage Assignments, Deductions and Levies

Chapter 32
Student Loans

Chapter 33
Can I get rid of Taxes

Chapter 34
NSF Checks, Traffic & Parking Tickets

Chapter 35
Surrendering Real Estate & Time Shares

Chapter 36
Business Bankruptcy

Chapter 37
Professional Persons

Chapter 38
Do you ever "Not Get" a Discharge?

Chapter 39
About Geraci Law LLC and Peter Francis Geraci

Chapter 40
Who is the best Bankruptcy lawyer near me?

Chapter 41
What if I need a Bankruptcy lawyer near me?

CHAPTER #34 NSF CHECKS, TRAFFIC & PARKING TICKETS

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.