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Common Chapter 7 Bankruptcy Questions, Pt. 1

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

Chapter 7 bankruptcy can be a complex process, but with the help of an experienced Chapter 7 bankruptcy attorney, you can successfully eliminate certain debts and get your finances back in order. Here are some common questions about Chapter 7:     – Can spouses file jointly for Chapter 7? – A husband and wife can file a joint petition for Chapter 7, resulting in only one filing fee and one set of bankruptcy forms.     – When should both spouses file for Chapter 7? – Both spouses may benefit from filing jointly if each holds substantial dischargeable debt/s. If both are liable for a particular debt but only one files for Chapter 7, a creditor may then pursue the other spouse to collect debt regardless of his/her assets or income.     – Do the names of those who file get published? – Filed Chapter 7 cases become part of the public record and some credit-reporting agencies may report the debtor’s name, while newspapers usually do not.     – Will my employer be notified? – When you file for Chapter 7, your employer is not automatically notified unless it is a creditor. However, the trustee in your case may contact your employer regarding the status of your salary or wages at the time of filing.     – Will I lose any legal or civil rights? – You will not, as Chapter 7 is not a criminal proceeding. Your civil/constitutional rights are protected.     – Will I be discriminated against by employers or government agencies? – It is illegal for either private or government employers to discriminate against you regarding employment simply because you’ve filed for Chapter 7. You also cannot be discriminated against regarding granting licenses, permits, student loans, or other grants for this reason.If you are struggling financially and considering filing for Chapter 7 bankruptcy, you’re not alone. Contact an experienced bankruptcy attorney today for a free consultation.

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