The moment you file for bankruptcy – whether chapter 7 or chapter 13 – any lawsuits pending against you for the payment of debts are suspended automatically (“stayed”), and no new actions can be filed against you. Your creditors also are prohibited from contacting you or your employer or trying to make any attempt to collect the debt owed them. You must list all of your creditors on the forms filed with the bankruptcy court. If you don’t list a creditor, the debt you owe that creditor is not discharged, and the creditor can sue you for it or take other measures to try to collect it.

If you have fallen behind on your bills and are being harassed by creditors contact a Sacramento bankruptcy attorney Tom Conlon at (916) 971-8880 to see if you qualify to file bankruptcy and get a new fresh start.

Shortly after you file for bankruptcy, you must appear at a court-scheduled meeting of your creditors. At this meeting, the creditors can ask you questions regarding your assets and how you got so deeply into debt. For the average personal bankruptcy, the creditors’ meeting is a mere formality, lasting only a few minutes. Most of the time, no creditors even bother to show up.

If you have fallen behind on your bills and are being harassed by creditors contact a Sacramento bankruptcy lawyer Tom Conlon, at (916) 971-8880 to see if you qualify to file bankruptcy and get a new fresh start.

Not every debt is discharged when you declare bankruptcy under chapter 7. Debts that are not discharged include debts that the debtor does not disclose on the lists and forms filed with the bankruptcy court; student loans (unless you can prove hardship); child support and spousal support (alimony); legal fines, penalties, and restitution; court fees; debts for deliberate and wanton injuries to persons or property; punitive damages; and debts for the death of or personal injury to persons resulting from your driving while intoxicated.

If you have fallen behind on your bills and are being harassed by creditors call (916) 971-8880 and speak with Tom Conlon, a bankruptcy attorney in Sacramento to see if you qualify to file bankruptcy and get a new fresh start.

A creditor or trustee may file an objection to the discharge of specific items on tha basis that the debtor transferred or concealed property with the intent to hinder, delay, or defraud creditors, or destroyed or conceals books or records. Other things that may affect discharge include a debtor’s perjury and other fraudulent acts, failure to account for the loss of assets, violation of a court order, or an earlier discharge in a chapter7 or 11 proceeding commenced within six years before the instant bankruptcy petition was filed.

If you file for bankruptcy under chapter 7 and the bankruptcy court approves it, you cannot file for bankruptcy again for six years. There is no such waiting period after filing for a chapter 13 repayment plan.

If you have fallen behind on your bills and are being harassed by creditors call (916) 971-8880 and speak with Tom Conlon, a bankruptcy lawyer in Sacramento to see if you qualify to file bankruptcy and get a new fresh start.