Benefits of a Chapter 7
201504.11
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Benefits of a Chapter 7

When you file a Chapter 7, an “automatic stay” is put into place. This puts a stop to all collections attempts, lawsuits, wage garnishments, and other forms of contact from creditors. It is so effective I have had some people report they pick up their phone to see if the phone still worked. Even IRS garnishments, foreclosures,…

Bankruptcy Filing Time Limitations etc
201210.05
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Bankruptcy Filing Time Limitations etc

There are Bankruptcy Filing Limitations which require you to wait until your next discharge.  There are also other limitations.   You can file a Chapter 13 the day after your Chapter 7 case closes but you will not get a discharge in the second Chapter 13 case. You cannot file a Chapter 7 until 8 years after the…