Anthony Inserra

We recognize that filing bankruptcy is usually a choice of last resort for Americans struggling to keep up with their debt payments to creditors. When you’re ready to learn more about how bankruptcy could help you get your head back above water, we’re always here for you.

I think bankruptcy is my best option, but I can’t let my boss or my wife’s family find out. While it is true that bankruptcy cases are all public record, someone would have to look up your name at the courthouse or online usually with a special password access to federal bankruptcy court. The media generally only reports high-profile bankruptcy case.

One aspect that makes filing for bankruptcy a difficult decision is that it will be on your credit report for ten years.

Before you file for bankruptcy, it’s a good idea to consult an attorney to ascertain which of your assets may qualify for exemption. The Bankruptcy Code has a list of assets that will be considered exempt from the collection process.

There are numerous myths surrounding bankruptcy, such as claims that individuals will go years or longer without the ability to buy a car or home on credit after filing bankruptcy. However, bankruptcy experts say that’s incorrect. In some cases, it’s possible to qualify for a car loan although at a higher interest rate shortly after a bankruptcy filing.

Unfortunately, bad things happen to responsible people more often than anyone would like to admit. Whether you’re facing financial troubles because of a job loss or a medical emergency, we’re always here to help you reclaim control over your finances.

When you file for bankruptcy, you must take several steps to ensure the process runs smoothly. A bankruptcy attorney can let you know what to expect in a case and explain the typical steps you need to take.

When dealing with the hardship and stress of bankruptcy, it can be reassuring to work with someone who has gotten other people through the process successfully. A bankruptcy attorney can also handle any questions or challenges from the court regarding your case.

Husbands and wives have the option of filing for bankruptcy separately or jointly. There may be some cases where it makes more sense for only one spouse to file. Your bankruptcy attorney can let you know which option is best for you.

Depending on what type of bankruptcy you file, your tax obligations will vary, as chapter 7 bankruptcy creates a taxable estate that’s completely separate from you as an individual taxpayer. Speak to your attorney to determine your tax obligations.

I was the co-signor on a loan for my son, who is now considering bankruptcy. How will the bankruptcy affect me? If the loan was unsecured, your son will be off the hook and the lender will then pursue the entire amount of the loan from you.

Whether you just need bankruptcy advice or if you need an attorney to handle your case, it is important to find a bankruptcy attorney with extensive experience. It can also help to search for an attorney who has experience as a bankruptcy trustee.

Unfortunately, some creditors have been known to try to skirt bankruptcy laws. If you’re still receiving harassing phone calls or are being treated unfairly, please let us know right away.

If you file for a Chapter 7 bankruptcy, there's a good chance you'll never see the bankruptcy judge and only have to appear in federal court once. That's standard procedure in an uncontested bankruptcy filing.

Many people aren’t aware that they are able to choose how their debts will be handled when they file for personal bankruptcy. This allows the debtor to create a payment plan that’s ideal for them and can control how the bankruptcy will play out.

If you and your spouse are considering both bankruptcy and a divorce, we can explain your options. Often, it is a better idea to handle the bankruptcy before the divorce, but every situation is unique and must be assessed separately.

If you earn a decent income but have more debts than you can handle, you should consider asking a bankruptcy lawyer about filing for Chapter 13 bankruptcy. This is often the best option if you are in a difficult financial situation.

There’s no need to feel guilt, shame, or despair over your current financial condition. Even incredibly financially responsible people who have never missed a payment need to file for bankruptcy. Filing for bankruptcy protects you to give you the fresh start you need.