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Frequently Asked Bankruptcy Questions

Bankruptcy is a concept that is spoken of frequently but rarely understood. For many, this topic is ignored until an individual faces overwhelming debt themselves. As you pursue bankruptcy, you will likely have many questions and concerns regarding the process, the results, and problematic issues involved in this debt solution. As your Plant City bankruptcy attorney, I can answer your bankruptcy questions whether this is your first experience with bankruptcy or you have filed in the past. Please read the questions and answers below to gain a general understanding of bankruptcy and the debt relief process.

Who will know about my bankruptcy?
Many individuals do not want family members and friends to find out that they filed for bankruptcy. Although bankruptcy filings are public records, in most situations, no one will know that you went bankrupt. Your bankruptcy will remain on your credit record for 10 years with the credit bureaus. If someone has enough determination, they could find out that you filed, but that is unlikely. Companies you owe money to are generally the only ones told about your bankruptcy.

Will my spouse be affected if I file?
If you file for bankruptcy while married, your husband or wife will generally not be affected if he or she is not responsible for your debt and did not sign any contracts in conjunction with your creditors. In some situations, however, your spouse may carry joint responsibility for your bankruptcy. For example, if you share a supplemental credit card, he or she is likely responsible for some of the debt.

How do I end creditor harassment?
Creditor harassment can end as soon as you file for bankruptcy. Under federal law, all actions, whether legal or illegal, taken by a creditor against a debtor have to cease after bankruptcy documents are filed. Creditors are prohibited from initiating or following through with lawsuits, wage garnishments and other actions to obtain payment.

Can all my debt be discharged?
Not all debt can be discharged in a bankruptcy. Which debts cannot be discharged depends on the chapter of bankruptcy that you file. Debts for local, state or federal taxes, legal judgments, and student loans are not generally dischargeable. Also, you cannot discharge debt that you incurred after a filing for bankruptcy.

Should I hire an attorney to represent me?
As a debtor filing for bankruptcy, you have the right to either represent yourself or be represented by an attorney. Use of a lawyer, however, is highly recommended. One of the primary mistakes that individuals make when they file for bankruptcy is exploiting their ignorance of the law, which can cost more than a lawyer's fee. Additionally, individuals who have chosen to represent themselves are not able to obtain legal advice from court personnel if they face confusion at any point during the bankruptcy process. Corporations, however, are required to be represented by a lawyer if they pursue bankruptcy. An attorney can help you file and ensure that you successfully abide by all bankruptcy laws. Also, hiring a lawyer ensures that you can have all your questions answered by a firm that clearly understands the law. My firm can provide you with advice and guidance each step of the way.

Learning About Bankruptcy

Filing for bankruptcy often results in many questions that must be answered prior to beginning the process. I understand that your questions may be more specific and require more than the information found on this page. If you have a question that has not been answered above or you require one-on-one counsel for a bankruptcy concern, contact my firm. At the Law Office of Keith Will Wynne, Esq., I am prepared to answer your questions about bankruptcy and help you pursue the most appropriate route.

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Law Office of Keith Will Wynne, Esq. - Plant City Bankruptcy Lawyer

Plant City Office - 1001 E. Baker Street, Suite 101, Plant City, FL 33563. Phone: (813) 567-5894 | Local Phone: (813) 752-3100.

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

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