Frequently Asked Questions
What Are the Most Common Types of Bankruptcy?
The two most common types of consumer bankruptcies are Chapter 13, often called debt restructuring, and Chapter 7, often called liquidation.
A Chapter 7 does not require plan payments. In a Chapter 13, a repayment plan is developed where payments are made over three to five years.
Which Type of Bankruptcy Is Right for Me?
Many factors must be considered when determining the appropriate type of bankruptcy for a client, including household income, expenses, assets, and long-term credit implications. Your attorney’s job is to evaluate the unique circumstances of your case to best advise you on a path forward.
Can My Creditors Continue to Harass Me After I File Bankruptcy?
No, creditors cannot contact you for the duration of your bankruptcy case provided that you do everything that the bankruptcy court requires of you. Once Evans Law Group has filed your bankruptcy, you are protected from creditors by an Automatic Stay, which prevents contact, foreclosures, and repossessions for the duration of your case.
What if My Situation Changes After I File for Bankruptcy?
If your circumstances change after you file for bankruptcy, notify your attorney immediately. Converting your case from a Chapter 13 to a Chapter 7, or vice versa, may be appropriate.
I Filed for Bankruptcy Years Ago, Can I File a New Case Now?
The United States Bankruptcy Code sets limitations that prevent an individual from filing bankruptcy cases too frequently. Be sure to discuss any previous case filings with your attorney.
