Bankruptcy Information





            Welcome to the Internet's most comprehensive and popular bankruptcy site Complete bankruptcy information for all states including a directory of bankruptcy lawyers             Click on the map to locate Bankruptcy Lawyers          Questions? Ask Bankruptcy Lawyers Marked with a      To see Chapter bankruptcy profiles and to hear a Bankruptcy Trustee's views on personal bankruptcy law We have second audio clips giving information on various aspects of debt and bankruptcy law IN THE NEWS Aug May April August ' February '      MBNA to pay damages of February ' by Elizabeth Warren November ' Statement to the Subcommittee on Oversight of the Committee on Ways and Means   This month's feature Dec One of the main purposes of Bankruptcy Law is to give a person who is hopelessly burdened with debt a fresh start by wiping out his or her debts The objective of this website is to provide the person thinking about filing bankruptcy the information he or she needs to make an informed decision You will then have a good understanding of what the law allows when you meet with one of our bankruptcy lawyers A Chapter Bankruptcy wipes out all

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             Consumer Bankruptcy Browse Bankruptcy Law Resources Articles & FAQs                                                                                                                                                                                                                                                                                                                                                                         Bankruptcy Law Consumer Bankruptcy Information CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA IL IL IL IL IL IL Need More Help or Advice? •   •   •   •   •   Free Case Review Post your case and have it reviewed by up to qualified attorneys NO Cost NO Obligation Get Legal Forms Law Forums Law News at Thu Mar AM EST Thu Mar AM EST Wed Mar AM EST                      FreeAdviceŽ has been providing millions of consumers with outstanding advice free since While not a

  Bankruptcy Abuse Prevention and Consumer Protection Act of th CongressFirst Session Changes to Personal Bankruptcy Law Means Test for Chapter Eligibility The trustee or any creditor can bring a motion to dismiss under § if the debtors income is greater than the state median income Abuse is presumed if the debtors current monthly income less secured payments divided by less priority debts divided by less the allowed expenses permitted by the IRS less certain other allowed expenses is greater than per month of a Chapter plan Debtors who meet this new standard would be shifted to year repayment plan in Chapter If a debtors income falls below the state median the court may still find abuse but the creditors do not have the standing to file the motion In determining whether the median threshold has been reached the law looks at the number of people in the debtors household compared to census figures adjusted by the CPI The presumption of abuse may only be rebutted by demonstrating special circumstances that justify additional expenses or adjustments of current monthly income Mandatory Credit Counseling No individual may be a debtor under title unless they have within days prior to filing received

  Facts for Consumers Before You File for Personal Bankruptcy Information About Credit Counseling and Debtor Education Produced in cooperation with the Department of Justice’s U S Trustee Program The Bankruptcy Abuse Prevention and Consumer Protection Act of launched a new era With limited exceptions people who plan to file for bankruptcy protection must get credit counseling from a government approved organization within days before they file They also must complete a debtor education course to have their debts discharged The Department of Justice’s U S Trustee Program approves organizations to provide the mandatory credit counseling and debtor education Only the counselors and educators that appear on the U S Trustee Program’s lists can advertise that they are indeed approved to provide the required counseling and debtor education By law the U S Trustee Program does not operate in Alabama and North Carolina; in these states court officials called Bankruptcy Administrators approve pre bankruptcy credit counseling organizations and pre discharge debtor education course providers Counseling and Education Requirements As a rule pre bankruptcy credit counseling and pre discharge debtor education may not be provided at the same time Credit counseling must take place before you file for bankruptcy; debtor education



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