BANKRUPTCY BASICS Frequently Asked Questions About Bankruptcy Can I still file bankruptcy after the law change? Yes   The new law changed the bankruptcy rules but the law did not eliminate your right to bankruptcy protection Do have to take a credit counseling course before I file bankruptcy? The new bankruptcy law requires all debtors to fulfill two education requirements a credit counseling course prior to filing and a financial management course before obtaining a discharge   The Chapter Trustee will offer the required courses to Chapter debtors but Chapter debtors are required to take the courses on their own   All bankruptcy education courses are available in person by phone or over the internet and are approved for the district in which you are filing   You may get additional information about the costs and availability of debtor education at one or more of the following agencies approved for the Middle District of Florida   ; ; ; ; Who can file bankruptcy? Any person residing domiciled or having property or a place of business in the United States may file Chapter   A business may also file a Chapter   There are currently no minimum or maximum

  BASICS Chapter This information pertains to present bankruptcy law and procedures applicable prior to the new bankruptcy law known as the BANKRUPTCY REFORM ACT   A summary of the new bankruptcy law will be provided elsewhere on this website   This web page will be amended to reflect the new law when the Act nears its effective date Introduction The following is basic information about your Chapter bankruptcy and the course of events you will experience If you cannot find the answer to your question in the information below you should direct your individual question to your bankruptcy attorney   This website information does not replace or modify any separate written agreement with or written information provided to clients of Jonathan Alper PLC   Basic Terminology Unsecured debts include personal loans and credit cards issued by banks such as Visa MasterCard American Express or Discover and other credit cards used to purchase consumable items such as clothing food vacations etc Secured debts include those debts where the creditor has a security interest in your property to guarantee payment Examples of secured debts include mortgages car loan loans from finance companies furniture computers or electronics If you purchased store goods

Best Case in Action by mail Chapter Bankruptcy Trustees on the Web To jump to your state click on the first letter in the name of the state you are searching for Philip Geddes John C McAleer III Curtis C Reding David Cottingham Larry Compton Joyce Babin David Coop Jo Ann Goldman Russell Brown Dianne C Kearns Amrane Cohen L Charmayne Mills Elizabeth Rojas Rod Danielson Jan P Johnson Lawrence J Loheit Russell D Greer M Nelson Enmark Martha G Bronitsky Devin Derham Burk Michael H Meyer David Burchard Thomas Billingslea David L Skelton Molly T Whiton Michael Joseph Mamie L Davis Laurie K Weatherford Robin R Weiner Nancy N Herkert Leigh D Hart James H Bone Mary Ida Townson Adam Goodman Nancy Whaley Camille Hope Kristin Smith Sylvia Ford Brown Barnee Baxter John H Krommenhoek Marilyn O Marshall Glenn Stearns Tom Vaughn Tedd E Mishler Donald M Aikman Robert A Brothers William H Griffin Jan Hamilton Beverly Burden William Lawrence Sterling J Beaulieu Jr E Eugene Hastings Paul H Davidson Willie Banks Jr Keith Rodriguez Gerard R Vetter Timothy P Branigan Nancy Grigsby Ellen Cosby Carl L Bekofske David Ruskin Krispen S Carroll Tammy L Terry Mary K Hamlin

Phone    Fax            Bankruptcy An Overview Filing bankruptcy is an important legal right   The Constitution of the United States Article I Section Clause provides Congress with the power to establish uniform laws on the subject of Bankruptcies throughout the United States That provision was included by our Founding Fathers in reaction to the debtors prisons of colonial times in which individuals could be imprisoned for their debts Since the year this country has had formal bankruptcy laws for the benefit of U S residents Our current bankruptcy code was adopted in providing a major overhaul of the bankruptcy system   took effect October which substantially revised the Bankruptcy Code again  However most people in financial distress can still file for bankruptcy protection The Bankruptcy Code provides for six separate types of bankruptcy proceedings Since Chapters and are available only to municipalities or family farmers respectively and Chapter concerns foreign proceedings they will not be discussed in this article See our separate discussions on and A Chapter liquidation proceeding is available to individuals partnerships and corporations The debtor is allowed to keep exempt assets For individuals filing bankruptcy in Florida the exemptions are primarily determined by

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