I Am Not Filing Bankruptcy on All of My Creditors

Can I leave some creditors off of my bankruptcy? No. Any creditor whom you owe a balance to must be listed on the petition.  Does this mean you should go pay off all the credit cards that you want to keep? No. Even with a $0.00 balance the credit card companies will likely close your […]

Do I have to appear in front of a Judge for my bankruptcy? No. The Judge does oversee the bankruptcy process; however you are not required to appear in front of him. Depending on your specific case, your attorney may need to appear in front of the Judge for certain motions or objections that may […]

What happens if I get behind on mortgage payments while I am in a Chapter 13? You made the decision to file a bankruptcy and decided to keep you home. You file a Chapter 13 and are making your mortgage payments and your Chapter 13 plan payments as scheduled. Something comes up and you get […]

What is a wage order and what are the benefits? A wage order in a Chapter 13 is where a portion of your Chapter 13 plan payment is automatically deducted from your paycheck by your employer. Your employer then sends the money directly to the trustee. If you are paid bi-weekly then the monthly payment […]