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What is bankruptcy?

Bankruptcy is government supervised debt relief. Bankruptcy normally eliminates some or all debts of a debtor.

Who can file bankruptcy?

Almost any qualifying individual or business may file for some form of bankruptcy protection. Read More.

How long does the bankruptcy process take?

Chapter 7 bankruptcy normally takes 4 to 6 months to complete. Chapter 13 bankruptcy usually takes 3 to 5 years. Read More.

Will I lose everything that I own?

In most bankruptcy cases, debtors lose no property or assets. Read More.

Can I keep my house?

Typically yes if you continue to make your mortgage payments. With certain types of bankruptcies, under certain conditions, one may catch up on missed payments and/or reduce loan amounts paid. Read More.

Can I keep my car?

Typically yes if you continue to make your car loan payments. Read More

Will filing bankruptcy stop creditors’ telephone calls, collection activities, and lawsuits?

Generally, yes. Read More.

Will bankruptcy stop wage garnishments and bank levies?

Generally, yes. Read More.

Will filing bankruptcy ruin my credit rating?

A bankruptcy stays on your credit report for up to 10 years. But, immediately after filing bankruptcy, you may take steps to rebuild credit and improve your credit rating. Read More.

Can I give tithes, offerings, and gifts to my church if I file for bankruptcy?

Yes. Read More.

Can I qualify to file bankruptcy under the new bankruptcy reform law?

In most cases, people who would have qualified to file bankruptcy under the old pre-reform laws will also qualify under the new bankruptcy laws.  Read More.

Am I required to disclose all of my property and assets?

Yes. But, in most bankruptcy cases, debtors are allowed to keep all property and assets listed.  Read More.

Am I required to list all of my debts?

Yes. But you can voluntarily pay certain debts even though you list them. But consult first with an attorney before doing so!  Read More.

May I voluntarily pay any of my debts after bankruptcy?

Yes. Read More.

What is a Meeting of Creditors?

The meeting of creditors occurs about 25 to 40 days after a bankruptcy case is filed.  Generally, the bankruptcy trustee briefly questions the debtor at the meeting. To receive a discharge of debts, a bankruptcy filer must attend the meeting. Read More.

Directions to Meeting of Creditors

What Identification must I bring to the Meeting of Creditors?

What is a bankruptcy discharge?

A bankruptcy discharge is a court order. This order usually grants complete forgiveness and elimination of all or certain debts to bankruptcy filers.   Read More.

Who is the bankruptcy trustee?

When a person files a Chapter 7 or Chapter 13 bankruptcy case, the bankruptcy court appoints a “Trustee” to administer the case. Read More.

Does the Bible prohibit or condemn bankruptcy?

I don't believe so. Read More.

Will anybody know that I filed bankruptcy?

Most people will not likely know that you filed bankruptcy. Most likely, the only people who will know that you filed bankruptcy will be your lawyer, your creditors, those permitted access to your credit report, court clerks, and the bankruptcy trustee.

May one spouse file bankruptcy and not the other spouse?

Yes. But depending on the circumstances, there may be potential benefits and/or risks in doing so. Generally, married couples file a joint bankruptcy petition together. Read More.

Car and Home Debts - Do I have to include them in the bankruptcy?

Charge Off Debts

Credit Counseling and Debtor Education Requirements

Credit Report - How to Obtain a Free Copy of Your Credit Report

Definitions - Common Bankruptcy Terms

Delay Filing Bankruptcy

Divorce and Bankruptcy

Exemptions - What are Exemptions?

Foreclosure and Bankruptcy

Fraud Related to Credit Card Use

Homeowners Association (HOA) Dues / Fees and Bankruptcy

How Many People File Bankruptcy?

Legal Claims and Lawsuits - The Importance of Listing Them

Liens - What is a Lien?

Means Test - What is the Means Test?

One spouse only filing bankruptcy - Effect on community property

Private and Religious School Expenses

Tax Debts and Bankruptcy

Title on Car is Not in Debtor's Name

Venue - Where do you file bankruptcy?

For a free and confidential consultation, contact Christian bankruptcy lawyer, Matthew B. Tozer.



Under the new bankruptcy laws, Mr. Tozer is a debt relief agency because he helps people file for bankruptcy relief under the Bankruptcy Code.

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