Bankruptcy Information Page 3
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Change of Address or Telephone Numbers
If you change your address or telephone numbers during the bankruptcy, you must notify our office at once so that you receive all your bankruptcy papers. We also need to be able to contact you to deal with any problems that may arise.
Credit Cards
If your bills include credit cards, stop using these cards at once and do not use them anymore. Any new purchases on these cards after your bankruptcy is filed can cause problems. If the credit card company asks you to cut up the cards and return them, then please do what they ask.
Paying Bills
If you want to reaffirm (pay) some bills, such as your car, house, or furniture, then keep making your payments as scheduled. Do not stop making those payments unless you are filing Chapter 13 bankruptcy and the attorney will advise you what to do. Keep your vehicle insured at all times!
You do not have to pay any of your other bills any further unless we advise you to do so.
Adding Bills After Your Bankruptcy is Filed
Your bankruptcy can discharge bills only if they occurred before the bankruptcy is filed. If you find a bill from the past that your forgot to list in the bankruptcy, you can add it while the bankruptcy is still pending. There is an extra charge of $70.00 to add creditors each time.
Student Loans
Currently student loans are non dischargeable in bankruptcy no matter how old they are. A Chapter 13 bankruptcy can delay payment while in the bankruptcy but payments normally must be resumed on the student loan(s) after completion of your bankruptcy.
Objections to Your Bankruptcy
If one of your creditors files an objection to challenge whether that bill should be discharged or if your bankruptcy trustee (the person the judge appoints to supervise your bankruptcy) takes legal action to take some of your property, then you will be charged additional reasonable attorney fees to defend you in these actions.
These objections / complaints can be filed up to sixty (60) days after your court hearing. If a creditor does not attend your hearing, does not necessarily mean that they cannot do anything if there is a problem.
