Preparing to Meet with Your Bankruptcy Attorney
- Do you have loans that are "secured" with your property? Yes / No
Examples of secured loans are your mortgage and your car loan.
- Do you have debts that are exceptions to discharge? Yes / No Examples of debts that are not dischargeable are student loans and child support. Note: Some debts that are not dischargeable in a Chapter 7 bankruptcy may be dischargeable in a Chapter 13 bankruptcy. An experienced bankruptcy practitioner can help you determine whether certain debts will be discharged in a Chapter 13 case.
- Are you past due on your mortgage or car payments? Yes / No
- Do you anticipate incurring additional debt in the near future? Yes / No
- Have you filed bankruptcy within the last eight years? Yes / No
- Are some of your debts "cosigned" or guaranteed by others? Yes / No
- Do you have any debts to family members or close friends? Yes / No
You must list those debts on your bankruptcy schedules because all of your debts must be listed.