Bankruptcy FAQ

What is a Proof of Claim in a Bankruptcy case?

A proof of claim is a document normally filled out and filed by a creditor in either a Chapter 7 or Chapter 13 bankruptcy.  The proof of claim is a form document that is sent to every creditor listed in your case.  The document is also available online at United States Courts website.  The form [...]

Pre-petition vs. Post-petition Debt

What does Pre-petition vs. Post-petition debt mean in a Bankruptcy? Pre-petition debt is all debt that you have incurred prior to your bankruptcy case being filed. You must list all of your Creditors and debt when you file bankruptcy. Pre-petition debt is the debt that we are expecting to be discharged as part of your [...]

Medical Debt, Marriage, and Bankruptcy

When people think about the debt listed on their credit reports and how the debt is affecting their credit scores, most are probably thinking of credit card debt.  However, medical debt is a huge issue for people trying to make ends meet.  Medical debt is not immediately reported on credit reports, until it has been [...]

Can you file Chapter 7 or Chapter 13 Bankruptcy with perfect credit?

Yes. Your credit history does not influence your ability to qualify for Bankruptcy. There are no rules or requirements related to your credit you must meet when filing for bankruptcy. You do not need to be behind on your bills or ever missed a single payment. I think this is a common myth in Bankruptcy [...]

Where is a Kansas Bankruptcy Case Filed?

Bankruptcy cases are filed in U.S. Bankruptcy Court, which is a division of the Federal District Courts.  Divorce, collection, probate and similar cases are filed in one of the 31 Kansas District Courts located sporadically throughout Kansas.  The three Kansas Federal Courthouses, which contain the bankruptcy courts, are located in Kansas City, Topeka, and Wichita. [...]

Can I Qualify for Student Loans After Bankruptcy?

Kansas Bankruptcy Filers Continue Their Educations We are often asked whether filing for bankruptcy will affect a student’s college or graduate financial aid opportunities.  Bankruptcy filers will qualify for some student loans and may struggle to be approved for other loans. Federal loans consisting of Stafford and Perkins loans are awarded based on need and [...]

Can I Discharge My Traffic Tickets If I File For Chapter 7 Bankruptcy In Kansas?

The simple answer is no, but read on. Although Chapter 7 bankruptcy often discharges many types of debts and helps people gain a fresh start. There is a limited list of debts that cannot be discharged. The non-payment of these debts is typically thought of not to be in the general public’s best interest. They [...]

Is My Car Loan Discharged in a Kansas Bankruptcy Case?

Many people who come to visit with us about filing for bankruptcy have car loans.  One of the most common questions from people is whether their car loan will be discharged in their bankruptcy case.  Car loans are treated differently depending on what kind of bankruptcy you file. A Chapter 13 bankruptcy is open for [...]

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