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Frequently Asked Questions about Bankruptcy

Presented by a Hopkins County Bankruptcy Attorney

  • Who is permitted to file for bankruptcy? - Any person who resides in, does business in, or has property in the United States may file bankruptcy except a person who has intentionally dismissed a prior bankruptcy case within the last 180 days.
  • How do I know what type of bankruptcy to file? - Which type you file will depend on your circumstances and if you have assets which can be used to repay all or part of your debts. If you have a steady income and wish to keep your home and your vehicle, a Chapter 13 may be your best option. It is best to consult with me as Madisonville bankruptcy lawyer who can fully evaluate your scene and help you make an informed decision.
  • How often can a person file for bankruptcy? - Because of the negative impact on your credit, any bankruptcy filing should be very carefully considered. However, a Chapter 7 can be filed 8 years from a previous Chapter 7 filing. A Chapter 13 can be filed 4 years after a previous Chapter 7 or 2 years after a previous Chapter 13 filing.
  • How much debt is necessary to file for bankruptcy? - There is no set amount of debt you have to have to file bankruptcy. Not every situation warrants a bankruptcy filing. If your financial dilemma is a temporary one, you may be able to negotiate with creditors for a change in payment amounts or a reduction in your total obligation. Contact me for a consultation. As a Madisonville bankruptcy lawyer, I can do an evaluation of your financial scene to help determine what is best for you.
  • What types of debt are not dischargeable in a bankruptcy? - Generally speaking, the following: local, state, and federal taxes, debts for money obtained fraudulently, alimony, child support, or maintenance payments, court judgments owed to another for injury, government-sponsored student loans, debts incurred for injury or death due to drunk driving, legal judgments, and debts incurred after the bankruptcy is filed.
  • How long does a bankruptcy stay on my credit record? - For a period of 7 to 10 years.

For more information about bankruptcy, contact my firm to schedule a consultation. I am a Madisonville bankruptcy lawyer with over 35 years of experience in practicing law. I look forward to serving you.

Contact The Law Offices of Mark Little to find out more about bankruptcy today!

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