Shari L. Collias

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Are you confused by the whole bankruptcy process?

If you're in the midst of a lot of debt and question whether bankruptcy may be the solution you need to get out from under all the financial mess you're in, we can help provide you answer to your most concerned questions.

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Q: Can I file bankruptcy and keep my home?

A: Yes, in most cases you can file bankruptcy and keep your home. However, if there is a secured loan on your home, you'll need to continue making payments on the loan in order to retain your home. Bankruptcy does not relieve you of the obligation to pay a secured debt on your home, if you intend to keep it.


Q: Can I file bankruptcy and keep my car?

A: Yes, you can file bankruptcy and keep your car/truck in most circumstances. Here again, if there is a secured loan on your car/truck, you must continue payments on the loan or reaffirm the debt to keep the vehicle.


Q: Can I include medical bills in my bankruptcy?

A: Yes, you must list every debt you owe on your bankruptcy petition. Medical bills are dischargeable in bankruptcy


Q: Can my creditors continue to call me requesting payments on my debts after I file bankruptcy?

A: No. when you file bankruptcy, all collection actions for debts listed on your bankruptcy schedules are "stayed" or stopped. Your creditors cannot continue to contact you directly. Any contact after your filing should be made through your lawyer or the Bankruptcy Court.


Q: Will a bankruptcy filing stop a lawsuit and/or a foreclosure proceeding?

A: Yes, a bankruptcy filing stays all collection action pending against you, including but not limited to lawsuits and foreclosure proceeding.

Frequently asked questions about bankruptcy

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