Video FAQ

Bankruptcy

• How do I qualify for bankruptcy?
• How do I determine if should file bankruptcy?
• Will my creditors stop harassing me when I file for bankruptcy?
• Will I lose my house in a bankruptcy?
• Will bankruptcy stop wage garnishments?
• Will I lose my assets if I file for chapter 7?
• Will I lose my retirement savings in bankruptcy? - Arkovich Law
• Will a bankruptcy affect my spouse's credit?
• Why should I file a chapter 13 instead of a chapter 7 bankruptcy?
• Who makes the choice regarding filing chapter 7?
• Who makes the choice regarding filing a chapter 13?
• When will I be discharged from bankruptcy?
• Which bankruptcy is right for me?
• What steps do I need to take before filing for bankruptcy?
• What other assets are protected in bankruptcy?
• What is a bankruptcy mill? What is a lien-strip?
• Are there debts that I cannot discharge through bankruptcy?
• Are homesteaded houses protected in bankruptcy? Are charged off debts still collectable?
• Are there tax consequences to filing bankruptcy?
• What is the means test in bankruptcy?
• What is the trustee?
• What is a 341 hearing?
• What if I forget to list a liability in my bankruptcy filing?
• What if I already filed bankruptcy, but my student loans weren’t discharged?
• What if I cannot make the payments required under my bankruptcy court ordered plan? What does it cost to file bankruptcy?
• What happens to tax liens that survive the chapter 7 discharge?
• What does chapter 7 bankruptcy involve?
• What do I have to disclose about my finances in a bankruptcy filing?
• What debts from my divorce are dischargeable in a bankruptcy?
• What are the main effects of filing bankruptcy under chapter 13?
• What are the most common mistakes I can make when filing for bankruptcy?
• What are the different types of bankruptcy?
• Can I represent myself in a bankruptcy case?
• Can I keep my car if I file for bankruptcy? Can I get credit after bankruptcy?
• Can I discharge medical bills in bankruptcy?
• Can I file for bankruptcy if I haven't paid taxes for the last few years?
• Can I get bankruptcy relief from my student loans?
• Can I convert from a chapter 7 to 13 bankruptcy?
• May I use chapter 7 bankruptcy to get rid of all my debts?
• Is it possible to discharge student loans in bankruptcy?
• I declared bankruptcy before. When can I file again?
• What are the advantages of filing for bankruptcy?
• What are exempt assets?
• Should I consider chapter 13 bankruptcy?
• What are exempt assets in a bankruptcy proceeding?
• I do not have much money. Why should I hire a bankruptcy attorney instead of filing myself?
• How do I choose a bankruptcy attorney?
• Does my spouse have to file bankruptcy with me?
• Does a previous bankruptcy prevent me from filing bankruptcy again?
• Do I need to do credit counseling before filing for bankruptcy?
• Can I lose my ira, 401(k), or other retirement account in bankruptcy?
• Can my ex-spouse avoid paying child support if they file for bankruptcy?
• Do I have to list all my debts in a bankruptcy filing?

Creditor harassment

• What can I do if a debt collector is calling me all the time?
• How do I stop debt collectors from harassing me?
• Can a debt collector call me at work?
• What rights do I have if a collector is bothering me?
• How common is it to have debt principal reduced in a consumer protection defense?
• What is the fair debt collection practices act?
• Can I stop creditor collections with a cease communication letter?

Debt defense and settlement

• What do I do if I am served with a summons for a court appearance?
• My credit card company is going to sue me. What are the requirements for how the complaint is served?
• I'm being sued by one of my creditors and they are asking for a summary judgment. What is a summary judgement?
• What is a statute of limitations and does it relate to consumer protection defense?
• What if I do not live in the lawyer's area? Can they still defend me in a consumer protection lawsuit?
• What are the tax implications of debt settlement?
• I have more credit card debt than I can pay off. What are my options?
• I am being sued for a debt I do not owe. What do I do?
• Do creditors differ in the percentages they are willing to settle for?

Garnishment

• Can a debt collector garnish my bank account or my wages?
• Can a debt collector garnish my bank account or my wages in florida?
• Can a creditor garnish my wages or bank account without a court order?
• I live in florida and owe a lot of money on my credit cards. Can my wages be garnished?
• How much can a creditor garnish from my wages?
• Can my wages be garnished for non-payment of a debt?
• Can the funds in my bank account be seized or frozen by collectors?

Rebuilding credit

• How long until I can buy a house after bankruptcy?
• How long does bankruptcy information stay on my credit report?

Foreclosure

• Do I need a foreclosure attorney?
• What do I do if I am served with a summons for a court appearance?
• I live in Florida and owe a lot of money on my credit cards. Can my house be foreclosed or sold at auction?
• Can I save my home and other assets by filing for bankruptcy under chapter 13?

Student loans

• How do I know if I need a student loan attorney?
• I just can’t pay my monthly student loan payment. Are there any options?
• Can I change my student loans into a more affordable payment plan?
• I have defaulted on my student loan. Is it true that some of my paycheck can be withheld?
• What are the consequences of defaulting on federal student loans?
• Can I switch to making payments that take my income into consideration?
• How do I get back into repayment from default?
• How many payments do I have to miss before I default on a federal loan?
• Am I eligible for job-related loan forgiveness programs?
• Are student loans eligible for debt settlement?
• Can private student loans be canceled?
• Can I discharge my student loans if I am dissatisfied with the school I attended?
• I didn’t receive my tax refund check. Does this have anything to do with my defaulted student loans?
• What are the key differences between consolidation and rehabilitation for federal student loans?
• How do I apply to discharge student loans in bankruptcy?
• Is repayment relief available for private loan borrowers?
• Is there a time limit on how long student lenders can come after me to collect?

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