A lawyer will prepare the bankruptcy petition, schedules and statements forms, attend the meetings with creditors and serve as your advocate with the judge, trustee and creditors.

A lawyer can help you deal with your creditors before, during and after bankruptcy proceedings.  Bill collectors may not contact you at unreasonable times at home, and they may not contact you at work if they know that your employer disapproves. If you have a lawyer, bill collectors may only contact your lawyer.

During bankruptcy proceedings, you will receive additional protection from bill collectors. At the beginning of the proceedings, the court will order your creditors to stop their collection activities, including lawsuits, wage garnishments, repossessions and telephone calls demanding payment. It is unlawful for your employer to fire you for seeking bankruptcy protection.

After the bankruptcy proceedings have been completed, you must take care when dealing with creditors. Some creditors may try to collect debts that were discharged by the bankruptcy proceedings.

Some creditors may ask you to renew the debt by signing an agreement to pay it after bankruptcy.

BANKRUPTCY

Alternatives   Options   Getting Started

Your Creditors   Your Trustee   Your Property

Effects of Bankruptcy   Checklist