Chapter 1Introduction
Chapter 2Don’t be embarrassed, nervous or afraid
Chapter 3What causes people to need Banruptcy Relief
Chapter 4What is the Procedure to File Bankruptcy?
Chapter 5When should I file bankruptcy?
Chapter 6What do I lose if I file bankruptcy?
Chapter 7What happens to my credit score if I file bankruptcy?
Chapter 8What can bankruptcy do for you?
Chapter 9What Does Bankruptcy Cost?
Chapter 10What is the Real Price Difference Between Bankruptcy Lawyers?
Chapter 11If I am Married, Can I File a Bankruptcy Without my Husband or Wife?
Chapter 12Will My Employer Find Out if I File Bankruptcy?
Chapter 13Does Chapter 7 or 13 Bankruptcy “Ruin My Credit?”
Chapter 14If I File Bankruptcy, Can I Leave Bills or Property or Transfers Off my Bankruptcy Petition?
Chapter 15Can I File Bankruptcy on Bills in Someone Else’s Name?
Chapter 16How Does Filing Bankruptcy Affect My Credit Union?
Chapter 17Can I file bankruptcy if I have co-signers?
Chapter 18What About My Car in Bankruptcy?
Chapter 19What Happens to My House in Bankruptcy?
Chapter 20When Will Creditors Stop Bothering Me?
Chapter 21Cross-Collateralization Agreements in Bankruptcy
Chapter 22Bankruptcy and Joint Accounts with Parents
Chapter 23When do I stop paying my creditors?
Chapter 24Gas, cable, electric and phone bill
Chapter 25Bankruptcy and Divorce, Alimony, & Child Support
Chapter 26What Bankruptcy won't solve
Chapter 27Chapter 13 Debt repayment Plans
Chapter 28Will I be able to get credit again?
Chapter 29Bill Consolidation Loans
Chapter 30Bill Consolidation Scams
Chapter 31Wage Assignments, Deductions and Levies
Chapter 32Student Loans
Chapter 33Can I get rid of Taxes
Chapter 34NSF Checks, Traffic & Parking Tickets
Chapter 35Surrendering Real Estate & Time Shares
Chapter 36Business Bankruptcy
Chapter 37Professional Persons
Chapter 38Do you ever "Not Get" a Discharge?
Chapter 39File bankruptcy for the debts of my deceased spouse or child?
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.
