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Livonia Michigan Bankruptcy

Michigan Bankruptcy Blog

“D” is for the Do’s and Don’ts of Bankruptcy

Posted by Peter Behrmann, Esq. On February 29th

What YoMichigan Chapter 7 and Chapter 13 Bankruptcy Do and Dont'su Should Do If You Are Going to File for Bankruptcy

  • DO Stop using ALL credit cards and other charge accounts.  If you were to max out your credit cards, or purchase luxury items before filing bankruptcy this debt may be held non-dischargeable in bankruptcy.

 

  • If you want to keep your house or car, DO PAY your house or car payments on time.

Remember: not paying will likely cause creditors to call and collect from you.  If your behind on your car and home payments we may be able to help you get current through a Chapter 13 Bankruptcy. 

 

  • If you DON’T want to keep your house or car (and you are sure), stop paying your house or car payments.

Good News:  You will have more available cash. Bad News:  Creditors may start repossession or foreclosure.

 

  • DO Open a new checking and savings account at a bank where you don’t owe any money.  This is to prevent your current bank you owe money to from taking your money.

 

  • DO Stop paying all credit card and charge accounts.

Good News:  You will have more available cash. Bad News:  Creditors will call and try to collect from you.

  • DO Pay for food, insurance, utilities, rent, and other things you want to keep or use.

 

  • DO NOT PAY BACK any relatives or close friends you owe money to before filing bankruptcy.

*Pursuant to the bankruptcy code, the Bankruptcy Trustee can sue them for the money you pay them, you are not doing them any favors by paying them.

 

  • DO NOT TRANFER ANYTHING (Real-estate, cars, bank-accounts, etc) to others prior to bankruptcy.

Leaving everything the way you have it is your best option!

 

  • DON’T HIDE INFORMATION FROM YOUR BANKRUPTCY ATTORNEY If you’re hiring me to be your bankruptcy attorney, tell me everything!

* Keep in mind your realtor/accountant/car salesman/ friend is probably not your best source of information about bankruptcy, let me advise you correctly. 

 

 

Chapter 7, Chapter 13 Bankruptcy is all I do!

 

Peter Behrmann is a Michigan bankruptcy attorney. From my Livonia, Michigan location, I represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. My practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.

 

Photo Credit: TooFarNorth

 

Other Bankruptcy Attorneys Blogging on the Letter “D”:

  • Debt Relief Agency – Metro Richmond Consumer and Bankruptcy Attorney, Mitchell Goldstein 
  • Debtor – New York Bankruptcy Lawyer, Jay S. Fleischman   
  • Debtor – Taylor Michigan Bankruptcy Lawyer, Christopher McAvoy 
  • Declaring Bankruptcy – Wisconsin Bankruptcy Lawyer, Bret Nason
  • Deconsolidate – Nebraska Bankruptcy Attorney, Ryan D. Caldwell
  • Deed in Lieu of Foreclosure – Kansas City Missouri Bankruptcy Attorney, Rachel Lynn Foley           
  • Discharge – Northern California Bankruptcy Lawyer, Cathy Moran       
  • Discharge – Los Angeles Bankruptcy Attorney, Mark J. Markus 
  • Discharge – Kona Bankruptcy Attorney, Stuart Ing         
  • Discharge – Daniel J. Winter, Chicago Bankruptcy Attorney           
  • Disclose – Marin County Bankruptcy Attorney, Catherine Eranthe 
  • Disclosures – Colorado Springs Bankruptcy Attorney Bob Doig
  • Divorce – Jacksonville Bankruptcy Attorney, Monica D. Shepard           
  • Do’s and Don’ts – San Francisco Bankruptcy Attorney, Jeena Cho   
  • Documents – Philadelphia Bankruptcy Lawyer, Kim Coleman      
  • Domestic Support – Philadelphia Suburban Bankruptcy Lawyer, Chris Carr           
  • DUI, DWI, OVI – Cleveland Area Bankruptcy Lawyer Bill Balena      
  • Discharge  – Los Angeles Bankruptcy Law Monitor, Christine A. Wilton           
  • Domicile – Miami Bankruptcy Attorney, Dorota Trzeciecka 
  • Dischargeable Debt – Chicago Bankruptcy Attorney, Kyle A. Lindsey   

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