| Bankruptcy can help you get back on your feet and give you a fresh start. |
| LANDOLT & ASSOCIATES |
FAQ
| Frequently Asked Questions About Bankruptcy |
WHAT TO BRING WITH YOU
ON YOUR INITIAL VISIT
A list of your current bills or the
bills themselves.
How much you make every
paycheck (before taxes and after
taxes) or bring your paystubs.
If you are facing foreclosure or
reposession, be sure to bring the
letters and contact information.
A list of any questions you may
have.
ON YOUR INITIAL VISIT
A list of your current bills or the
bills themselves.
How much you make every
paycheck (before taxes and after
taxes) or bring your paystubs.
If you are facing foreclosure or
reposession, be sure to bring the
letters and contact information.
A list of any questions you may
have.
| Landolt & Associates 5601 Bridge Street, Suite 336 Fort Worth, Texas 76112 (817) 291-3999 EMAIL US NOW |
| We are a debt relief agency. We help people file for relief under the bankruptcy code. |
| CONTACT US |
| OR Email Us Now |
The following information includes frequently asked bankruptcy questions.
The answers are general in nature and are not intended to apply to every
bankruptcy and debt situation. Call or email us to arrange a free consultation
and to evaluate your particular circumstances.
1. When should I file for bankruptcy?
It's always a good idea to seek bankruptcy advice early, before your health,
marriage, employment, or business is affected. Timing is often critical in
certain situations, such as if you are worried about your car being
repossessed or if you are facing home foreclosure. Waiting too long may
result in fewer options and make a successful bankruptcy more difficult to
accomplish. If you are facing any of the following, it's probably time to contact
us for a free consultation and evaluation:
2. Will bankruptcy stop a lawsuit against me?
If you are being sued, we strongly urge you to speak with us about filing for
bankruptcy. A bankruptcy filing will stop a lawsuit immediately and prevent
your creditors from placing a lien against your house or garnishing your
wages.
3. Will bankruptcy stop my home from being foreclosed and/or my car
from being repossessed?
Bankruptcy can prevent a foreclosure of your house or a repossession of
your car. An "automatic stay" arises by law the instant a bankruptcy is filed.
The automatic stay stops the foreclosure process and prevents any collection
actions, such as repossessions or garnishments. Bankruptcy may also allow
you to consolidate your mortgage arrears or automobile balance, and make
payments on those debts over time through a repayment plan.
4. Who will know about my bankruptcy?
Unless you tell them, most people will never know you have filed bankruptcy.
Parties that receive notice of a bankruptcy are your creditors, the Bankruptcy
Court, the IRS and the Texas Department of Revenue. While bankruptcy is a
public record, very few people would go to the lengths to check if you have
filed unless you tell them. Many people believe that notices of all
bankruptcies are printed in the newspapers, but this publication is rare.
5. What information and documents do I need to prepare before my
bankruptcy appointment with an attorney?
If you would like to see the questions you will be asked during your first visit,
please see our Free Online Evaluation, which contains the same type of
questions. You can actually complete the evaluation online, and we will have
the information when you come in for your free consultation. On your first
visit, we will evaluate your financial circumstances, so it would be helpful if
you would bring copies of your paystubs, a list of your most recent bills or the
bills themselves, any foreclosure notices you have received, and knowledge
of your monthly living expenses, such as food, clothing, housing, utilities,
taxes, transportation, etc.
During your free consultation with our attorney, we will give you a Client
Questionnaire packet to fill out. This packet of information is what we will use
to actually prepare your Bankruptcy Petition and Schedules (the official
paperwork) to be filed with the court. It asks for detailed information about
your living expenses and your bills including account numbers. It will also
include a Client Checklist, which will tell you what to copy and give to us to
help with filing the bankruptcy, such as copies of your last two years tax
returns and check stubs from the last two months. If you need any help with
these documents, we are always available for you to call or email us.
6. Do I have to go to court?
While every circumstance is different, most people who are represented by
an attorney when they file bankruptcy never have to step foot into an actual
courtroom. You will, however, need to attend a first meeting of creditors, in
which we will attend with you. This meeting is held in a hearing room or
cubicle used by the bankruptcy trustees, not in an actual courtroom. The
trustee's representative will ask you questions regarding your bankruptcy
filing. If any of your creditors are present, they can also ask you questions.
However, creditors rarely attend this meeting. Your attendance at this
hearing is mandatory, and failure to appear can result in dismissal of your
case.
7. Will bankruptcy get me out of child support or spousal support
payments?
No. Under both old and new bankruptcy laws, child support payments and
spousal support payments are not dischargeable in a Texas bankruptcy
proceeding.
8. What makes Lisa Landolt & Associates different from other
bankruptcy firms?
At Landolt & Associates, we put ourselves in our clients shoes and treat
people the way we want to be treated. From the time you call us, to when you
attend your initial consultation to your signing appointment, and all future
contact with us, you will be treated with respect and dignity. While some firms
"double-book" appointments, just like airlines do with airline seats, that results
in long wait times of up to an hour, we always make sure our clients' wait time
is minimal. In the event you do have to wait, we have a kitchen available to
our clients where free gourmet coffee is available. If you ever have a
problem or concern, you will speak directly with an attorney and not be put off
to a secretary or paralegal. You won't be treated like "just a number" at our
firm. We provide evening and weekend appointments for your convenience.
Experience the difference yourself by calling or emailing us today!
9. What if I have questions about bankruptcy that aren't answered
here?
We are always happy to answer your questions! Please call 817-291-3999
or email us at contact@landoltlawoffice.com.
The answers are general in nature and are not intended to apply to every
bankruptcy and debt situation. Call or email us to arrange a free consultation
and to evaluate your particular circumstances.
1. When should I file for bankruptcy?
It's always a good idea to seek bankruptcy advice early, before your health,
marriage, employment, or business is affected. Timing is often critical in
certain situations, such as if you are worried about your car being
repossessed or if you are facing home foreclosure. Waiting too long may
result in fewer options and make a successful bankruptcy more difficult to
accomplish. If you are facing any of the following, it's probably time to contact
us for a free consultation and evaluation:
- Financial complications of divorce
- Inability to pay medical bills
- Reduced income due to the loss of job or overtime hours
- Attempting to save a failing business
- Borrowing from credit cards and/or family to meet payments
- Barely getting by - where one unusual expense can cause severe
financial strain - Borrowing against home equity or 401k to pay bills
- Borrowing from one credit card to pay another
- Late car, house and utility payments
- Threatened foreclosures or repossessions
- Taking Payday Loans and not being able to make the payments
2. Will bankruptcy stop a lawsuit against me?
If you are being sued, we strongly urge you to speak with us about filing for
bankruptcy. A bankruptcy filing will stop a lawsuit immediately and prevent
your creditors from placing a lien against your house or garnishing your
wages.
3. Will bankruptcy stop my home from being foreclosed and/or my car
from being repossessed?
Bankruptcy can prevent a foreclosure of your house or a repossession of
your car. An "automatic stay" arises by law the instant a bankruptcy is filed.
The automatic stay stops the foreclosure process and prevents any collection
actions, such as repossessions or garnishments. Bankruptcy may also allow
you to consolidate your mortgage arrears or automobile balance, and make
payments on those debts over time through a repayment plan.
4. Who will know about my bankruptcy?
Unless you tell them, most people will never know you have filed bankruptcy.
Parties that receive notice of a bankruptcy are your creditors, the Bankruptcy
Court, the IRS and the Texas Department of Revenue. While bankruptcy is a
public record, very few people would go to the lengths to check if you have
filed unless you tell them. Many people believe that notices of all
bankruptcies are printed in the newspapers, but this publication is rare.
5. What information and documents do I need to prepare before my
bankruptcy appointment with an attorney?
If you would like to see the questions you will be asked during your first visit,
please see our Free Online Evaluation, which contains the same type of
questions. You can actually complete the evaluation online, and we will have
the information when you come in for your free consultation. On your first
visit, we will evaluate your financial circumstances, so it would be helpful if
you would bring copies of your paystubs, a list of your most recent bills or the
bills themselves, any foreclosure notices you have received, and knowledge
of your monthly living expenses, such as food, clothing, housing, utilities,
taxes, transportation, etc.
During your free consultation with our attorney, we will give you a Client
Questionnaire packet to fill out. This packet of information is what we will use
to actually prepare your Bankruptcy Petition and Schedules (the official
paperwork) to be filed with the court. It asks for detailed information about
your living expenses and your bills including account numbers. It will also
include a Client Checklist, which will tell you what to copy and give to us to
help with filing the bankruptcy, such as copies of your last two years tax
returns and check stubs from the last two months. If you need any help with
these documents, we are always available for you to call or email us.
6. Do I have to go to court?
While every circumstance is different, most people who are represented by
an attorney when they file bankruptcy never have to step foot into an actual
courtroom. You will, however, need to attend a first meeting of creditors, in
which we will attend with you. This meeting is held in a hearing room or
cubicle used by the bankruptcy trustees, not in an actual courtroom. The
trustee's representative will ask you questions regarding your bankruptcy
filing. If any of your creditors are present, they can also ask you questions.
However, creditors rarely attend this meeting. Your attendance at this
hearing is mandatory, and failure to appear can result in dismissal of your
case.
7. Will bankruptcy get me out of child support or spousal support
payments?
No. Under both old and new bankruptcy laws, child support payments and
spousal support payments are not dischargeable in a Texas bankruptcy
proceeding.
8. What makes Lisa Landolt & Associates different from other
bankruptcy firms?
At Landolt & Associates, we put ourselves in our clients shoes and treat
people the way we want to be treated. From the time you call us, to when you
attend your initial consultation to your signing appointment, and all future
contact with us, you will be treated with respect and dignity. While some firms
"double-book" appointments, just like airlines do with airline seats, that results
in long wait times of up to an hour, we always make sure our clients' wait time
is minimal. In the event you do have to wait, we have a kitchen available to
our clients where free gourmet coffee is available. If you ever have a
problem or concern, you will speak directly with an attorney and not be put off
to a secretary or paralegal. You won't be treated like "just a number" at our
firm. We provide evening and weekend appointments for your convenience.
Experience the difference yourself by calling or emailing us today!
9. What if I have questions about bankruptcy that aren't answered
here?
We are always happy to answer your questions! Please call 817-291-3999
or email us at contact@landoltlawoffice.com.
| Landolt & Associates 5601 Bridge Street, Suite 336 Fort Worth, Texas 76112 (817) 291-3999 Email: contact@landoltlawoffice.com |
| Is Bankruptcy Right For You? CLICK HERE FOR A FREE ONLINE EVALUATION 817-291-3999 |
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Landolt & Associates also provides
assistance with Employment Law
and Entertainment Law.
assistance with Employment Law
and Entertainment Law.
bankruptcy FAQ
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| (c) 2008 Landolt & Associates. All rights reserved. The content on this website is not intended to be legal advice. No attorney-client agreement exists by reading this website. An attorney-client relationship will only be formed when a written agreement is signed by both parties. Landolt & Associates represents clients for Chapter 13 and 7 bankruptcies in most North Texas cities, including Fort Worth, Arlington, Weatherford, Keller, Cleburne,Granbury, Haslet, Hurst, Euless, Bedford, Watauga, North Richland Hills, Haltom City, Southlake, Colleyville, Burleson, Bridgeport, Decatur, Mineral Wells, Jacksboro, Granbury, Stephenville and Comanche, Dallas, Lewisville, Flower Mound, Carrollton, Irving, Grand Prairie Counties served include Tarrant, Wise, Palo Pinto, Parker, Jack, Hood, Erath, Dallas County and Comanche. We are proudly serving the Dallas-Fort Worth community with other law firms including Allmand & Lee, Higgins & Associates, the Vida Law Firm, Ebert Law Offices, the Law Office of Greg Wiley, and Ted Machi & Associates. Landolt & Associates is an independent law firm in Fort Worth, Texas, and is not associated with any other law practice. |
