Your Questions Answered

YOUR QUESTIONS ANSWERED

Consultation

We welcome new clients into our office to meet with bankruptcy attorney Sheila Norman for a meeting to discuss your financial situation and goals.   Please call 813-251-6666 to schedule your personal meeting.

Question and Answer Videos

Do I have to list all my debts in a bankruptcy filing?

Are homesteaded houses protected in bankruptcy?

Can I lose my IRA, 401(k), or other retirement accounts in bankruptcy?

Can I represent myself in a bankruptcy case?

Are there debts that I cannot discharge through bankruptcy?

What should I include on my asset schedule for bankruptcy?

What is the means test in bankruptcy?

What is the difference between secured and unsecured debt?

What do I have to disclose about my finances in a bankrutpcy filing?

What are exempt assets?

What are non-exempt assets?

What are the different types of bankruptcy?

What assets are protected in bankruptcy?

How do I determine if I should file for bankruptcy?

Can I save my home and other assets by filing under Chapter 13?

Can a creditor garnish social security income?

Can a debt collector garnish my bank account or my wages?

Can a debt collector have me arrested or thrown in jail for not paying my debt to them?

Will I lose my house in bankruptcy?

Am I responsible for my e-husband or ex-wifes debts?

Will a bankruptcy affect my spouse’s credit?

When a spouse dies and leaves behind debts, who is responsible for paying these debts?

What happens when an ex-spouse goes bankrupt?

What debts from divorce are dischargeable in a bankruptcy?

If I plan for my bankruptcy during the divorce process, can I expect better results?

I got crushed in my divorce settlement and cannot afford to pay my credit card bills what should I do now?

My spouse and I are struggling with debt problems and considering divorce.  When should I talk to a bankruptcy attorney?

My spouse and I have asset protection planning in place and may file for divorce.  Will this affect our plan?

Should I file for bankruptcy before or after my divorce?

I am not sure my spouse understands our current financial situation.  How can I discuss it with them?

I am pursuing a collaborative divorce and we have some debt issues.   Can you help my collaborative team ensure that I am positioned to get the best relief from a bankruptcy case?

Why is it important to get a copy of my credit reports from equifax, experian, and transunion?

What does my credit score mean?

Is filing bankruptcy worse on my credit report than debt settlement?

How long will a bankruptcy filing remain on my credit report?

How does a person’s credit score affect their credit?

How do I get a copy of my credit report?

Are there any restrictions on the size or type of business that may file under Chapter 11?

What is Chapter 11 bankruptcy?

What happens to my corporation if I file for bankruptcy?

What happens to me personally if my corporation files for bankruptcy?

I have a small business that is struggling with debt issues.   Do I have options?

Does a person or business filing under Chapter 11 have to continue to pay its debts after the case is filed?

My small business has been sued.  Could bankruptcy possibly help?

Why should I consider hiring you?

What makes working with you different than other lawyers?

What is the advantage of referring you a case?

Should I take any actions before I speak with my bankruptcy attorney?

I don’t have much money.   Why should I hire a bankruptcy attorney instead of filing myself?

How do I choose a bankruptcy attorney?

How do bankruptcy attorneys charge for their services?

Beyond bankruptcy or debt consolidation agencies what else can I do when I no longer can pay my bills?

Will bankruptcy stop wage garnishments?

Is debt settlement the same as consumer credit counseling?

Is debt settlement the same as debt consolidation?

What are the advantages of filing for bankruptcy?

Can a homeowners association charge interest on unpaid association fees in addition to the late fees?

Can creditors sue me after I file for bankruptcy?

Can I convert from a Chapter 7 to a Chapter 13?

Can I convert from a Chapter 13 to a Chapter 7?

Can I discharge medical bills in bankruptcy?

When should I file tax returns when I am going to file for bankruptcy?

What should I list as my liabilities in a Chapter 7 bankruptcy?

I have been sued by a bank.   What should I do now?

Is there a statute of limitations on collecting debts?

My creditor told me I can’t qualify for bankruptcy.  Should I listen to them?

How will bankruptcy affect my security clearance?

How will a bankruptcy affect my future finances?

How often if ever will I have to go to court during bankruptcy proceedings?

How does bankruptcy affect a second mortgage or equity loan?

How can I stop a debt collector from contacting me?

Does the IRS have to agree to my Chapter 13 plan?

Does my spouse have to file bankruptcy with me?

Does a previous bankruptcy prevent me from filing bankruptcy again?

Does a person have to be engaged in business to qualify for Chapter 11 relief?

Can I get credit after bankruptcy?

Can I keep my car if I file for bankruptcy?

Can my boss fire me for filing bankruptcy?

Can my ex-spouse avoid paying child support if they file for bankruptcy?

Can the funds in my bank account be seized or frozen by collectors?

Do bankruptcy laws vary from state to state?

Do I have to list all my debts in a bankrutpcy filing?

Do I need to do credit counseling before filing for bankruptcy?

Do I need to use credit to rebuild my credit?

How difficult is it to file for Chapter 7 under the new bankruptcy laws?

I owe a lot more money than I have, but do not want to declare bankruptcy.  Do I have any other options?

Will Creditors stop harassing me whan I file for bankruptcy?