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Chapter 7 Bankruptcy is a “straight” bankruptcy in which a debtor needs all of his or her money to pay regular monthly expenses. A Chapter 13 Bankruptcy is like a repayment or consolidation plan where a portion of the debtor’s income is used to repay some or all of the debt over a determined period of time.
The “means test” is a form you must fill out in your bankruptcy case, helping to determine whether Chapter 7 or Chapter 13 Bankruptcy is appropriate.
Yes, after you retain Tracy O. Strom, P.A. to do your individual bankruptcy, you can receive information, and a secured sign-in to enter and provide certain bankruptcy information online.
Yes, in most circumstances, you will be able to keep your home and car. However, you will have to continue to pay for them.
Once bankruptcy is filed with the court, the process usually takes 3 to 4 months for a Chapter 7.
Usually the only court proceeding you will need to attend is before the trustee in charge of your case.