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Tag: bankruptcy petition

Discharge of Parking Tickets

Parking Tickets and Bankruptcy – Discharged?

Parking tickets – one of the nightmares of having a car in the city. People filing chapter 7 bankruptcies find tickets can be like a bad movie, they just won’t go away. Here’s the problem:  The U.S. Congress enacted the bankruptcy code, so we can’t be surprised that the law […]

Bankruptcy Exemptions

Bankruptcy Exemptions: Why You Need Them

Like an iron gate protecting an entrance, bankruptcy exemptions protect a debtor’s property against loss in bankruptcy. Theory of Bankruptcy Exemptions In the old days when a person filed bankruptcy, the story goes, their property was taken and sold or ‘liquidated’, the proceeds then divided among creditors.  Any remaining debt was then […]

Bankruptcy Petition Preparers

BANKRUPTCY PETITION PREPARERS

  Bankruptcy petition preparers offer an option sort of like a guy in a trench coat selling wrist watches.  Bankruptcy petition preparers are not attorneys but offer ‘document preparation services’.  With a word processor and a computer, pretty much anyone can create a pile of paper. But a troublesome issue […]

Debt collection and bankruptcy violations

Debt Collectors and Bankruptcy Violations

Debt collectors must stop after a bankruptcy filing or they commit one of several bankruptcy violations.  It doesn’t matter whether it’s a chapter 7, chapter 13 or other chapter.  The filing of a bankruptcy creates what is called an automatic stay. Collection stops because the U.S. Bankruptcy Code imposes the automatic stay with […]

Completing Bankruptcy Schedules

Bankruptcy Schedules Focus on Key Categories of Filer’s Finances

Bankruptcy schedules, filed with the bankruptcy petition, each focus on one aspect of the filer’s personal finances.  There are 10 schedules, each designated with a letter, from A through J. Schedule A – Real Estate Schedule A requires listing of all real estate owned on the date of filing.  This is obvious […]

Student Loans, Debt and Bankruptcy

Bankruptcy: Student Loan Debt Crisis

Student Loan debt in the United States, now at $1 Trillion Dollars, is called “the next debt bomb” for the U.S. Economy.  Total U.S. student loan debt now exceeds the volume of credit card and auto loan debt combined according to the Associated Press. The head of the National Association […]

Model: Stephanie Waterman

Bankruptcy Basics: Chapter 7, Chapter 13

  Any view of bankruptcy basics starts with the two types of consumer bankruptcy:  Chapter 7 and Chapter 13. Chapter 7 cancels or “discharges” many types of debt.  Most credit card, medical, and other unsecured debts are discharged, as are most court judgments and loans. Many filers find all of […]

What address on collection notices is the right address?

What Address Do You Use For Creditors in Bankruptcy?

What address do you use from all of your bills in filing a bankruptcy?  Bankruptcy rules require listing all creditors both on the right schedule for the type of debt but also on the matrix.  A bankruptcy noticing center mails notices based on the matrix. The Secret In The Fine Print of Credit Card Bills A key question arises:  “what […]

Credit Counseling is a Must Prior to Bankruptcy

Credit Counseling: Bankruptcy Requirement

Bankruptcy filings require preparation.  Bankruptcy law  makes credit counseling one step in the process.  You can’t file a valid chapter 7 or chapter 13 without completing credit counseling, earning this step the name ‘Ticket In’ to bankruptcy. Credit Counseling: “The Ticket In” Under bankruptcy law people, not businesses, must take credit counseling before filing under Chapter 7 or 13.  Credit counseling can […]

Should I FIle Bankruptcy: Considerations.

Should I File Bankruptcy? What Basics Should be Considered?

Should I file bankruptcy?  Just the thought can overwhelm.  Mountains of debt, collections and other pressing issues bring the issue into view, requiring a look at pros and cons. First, calculate how long it will take to pay off your debts.  Throw all credit cards in a drawer.  Figure how much over the […]



Attorney Myers is a member of the American Trial Lawyers Association, Massachusetts Academy of Trial Lawyers, and New Hampshire Trial Lawyers Association. The Law Offices of Andrew D. Myers offer a broad range of legal services in personal injury cases in Massachusetts (MA) and New Hampshire (NH) areas.

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