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From the category archives: Ron Lundquist Bankruptcy Blog

Chapter 7 Bankruptcy

What Happens After Bankruptcy Discharge?

Have your debts become overwhelming? Having trouble making your payments on time each month? Filing for bankruptcy can help you take the weight of your financial burdens off your shoulders, but as you can imagine, it doesn’t come without its share of repercussions. If you’re considering filing for either Chapter 7 or Chapter 13 bankruptcy, you no doubt have questions and concerns about what might happen after the court discharges your debts. Below, Ron Lundquist, Attorney at Law, discusses a brief overview of what life after bankruptcy discharge entails.

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Should You File for Bankruptcy? 3 Signs It’s Time

Feeling overwhelmed by your debts can be crushing. Anxiety about monthly payments, household expenses, persistent debt collectors, and ever-accumulating interest is enough to make anyone feel confused and even helpless. Misconceptions around filing for bankruptcy tend to paint the process in a seriously negative light; however, if you’re truly struggling, bankruptcy can provide you with an opportunity for a fresh start. How do you know when it’s time to take the leap and file? Here are a few of the telltale concerns that allow my clients and I to reach a consensus on a bankruptcy filing decision:

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What is the Bankruptcy Process?

If you think it’s time to file for bankruptcy, it’s crucial you talk to a bankruptcy lawyer to learn how the process works. Deciding whether you should file for bankruptcy is a huge step, and you need to know what you are getting yourself into before you begin. When you contact my office, I will walk you through the process and will help you get back on your feet. I have helped countless customers combat their financial predicaments and will dedicate myself to your case to ensure you get the care you deserve. When you come to my office, I want you to fully understand the bankruptcy process, and here I will discuss some of the overlying aspects of this process.

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The Difference Between Chapter 7 and Chapter 13 Bankruptcy

If you’re in a situation where you are considering filing for bankruptcy, it’s important to know all your options. With the help of a reputable attorney, this process can be made easier for you. At Ron Lundquist, Attorney at Law, I can help you with all of your bankruptcy questions and needs. In addition to fully analyzing your finances to find solutions, I can recommend alternatives to bankruptcy and explain the two primary types of bankruptcy I handle. When my clients file for bankruptcy, I typically suggest filing for either Chapter 7 or Chapter 13 bankruptcy. Each of these options has its own qualifications and entails different things. Here, I will walk you through both of these options, so I can help you find the option that works best for you.

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Types of Debt Wiped Out by Bankruptcy

If you are considering filing for bankruptcy, it’s best if you know all your options and how filing for bankruptcy can help you. The overall purpose of filing for bankruptcy is, if you are struggling, eliminating some of the debts you owe so you can get back on track. No one wants to file for bankruptcy, but sometimes you don’t have a choice. At Ron Lundquist, I typically work with two types of bankruptcy, Chapter 7 and Chapter 13. Each of these filings comes with its own benefits, all of which I will explain in detail here.

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What Should You Ask a Bankruptcy Attorney Before Filing?

Though you may think you know what type of bankruptcy to file for, it’s important to consult an experienced attorney beforehand to ensure it’s the right step for you. A consultation with me can ensure you’re taking the proper steps. I’ll analyze your paperwork and make sure you’re protected as you navigate this life change. Here, I will advise you on things to consider when you file for bankruptcy.

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Bounce Back From Bankruptcy

Filing for bankruptcy can knock the wind right out of you. You may feel helpless, discouraged, and angry. However, recovering from bankruptcy can be done, all it takes is hard work. Below, we will give you a brief overview on how to bounce back from Chapter 7 or Chapter 13 bankruptcy. If you’d like more in-depth help, contact our office today.

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What is a Means Test Calculator?

The test determines whether you are able to pay back your debt. If so, you won't be allowed to follow through with Chapter 7 bankruptcy. Instead, you may have the option of filing Chapter 13 bankruptcy.

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How to Prepare for the Bankruptcy Meeting of Creditors

Before you can discharge your debts in a bankruptcy, you will attend a mandatory hearing known as the meeting of creditors (or a 341 hearing). The meeting takes place 20 to 40 days after you file your bankruptcy. During the meeting, the bankruptcy trustee assigned to your case may ask you a series of questions.

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Who Can View My Bankruptcy Record and Why Does it Matter?

Filing a personal bankruptcy case is public record. Your case, however, is not something that the general public can obtain easily. Although various websites provide this information, they’re not as easy to access as you would think. Most of these sites require paid subscriptions - something that most people will not find valuable.

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