Bankruptcy, Finance, & Debt Relief Blog

Chapter 7 Bankruptcy: What Should You Expect?

You may think your situation is simple and does not require a lot of investigation. That is NEVER the case. Only an Attorney can review your entire case and let you know the best way to proceed. That takes time and knowledge of the Bankruptcy Code. At The Law Office of Tracy A. Brown, P.C. we ask a lot of questions. Why? It’s the only way to know everything before your case is filed. Here’s how it works: 1) You meet with our Paralegals and Attorneys. 2) We ask you a LOT of questions. 3) You provide us with documents that we need and complete the paperwork. 4) We prepare your case. 5) Our Attorney will meet with you to review your case. 6) We file your case with the Court. 7

Keep Your Lights On with Bankruptcy

If you file bankruptcy and owe past due utilities, like electricity and gas, utility companies cannot change or discontinue your service. Just like protections against other types of collection, this particular restriction against creditors is found in the Bankruptcy Code at 11 U.S.C. §366. This section also stops utility companies for shutting off or refusing to provide service because you filed for bankruptcy. After bankruptcy, you must continue to make your regular utility payments. The bankruptcy does not discharge any payments due after filing bankruptcy. If you fail to pay any utility bills incurred after bankruptcy, they will eventually be shut off. In Chapter 7 bankruptcy, past due u

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