The bankruptcy law : a work in progress -- 1. What is bankruptcy? -- Types of bankruptcy -- Chapter 7 bankruptcy -- Chapter 13 bankruptcy -- How bankruptcy stops collection efforts -- The bankruptcy trustee -- Business bankruptcy -- 2. Who can file for bankruptcy -- Getting help with eligibility issues -- Credit counseling -- Calculating your income status -- Chapter 7 eligibility requirements -- Chapter 13 eligibility requirements -- Other issues that might affect your decision to file -- 3. How bankruptcy affects your debts -- Debts that will be discharged in bankruptcy -- Debts that survive chapter 7 bankruptcy -- Debts that survive chapter 13 bankruptcy -- Debts discharged in Chapter 13 (but not in Chapter 7) -- How joint debts are handled -- 4. Your property and bankruptcy -- Your bankruptcy estate -- Inventory your property -- Value your property -- Understanding exemptions -- 5. Your home -- Homeowners filing for bankruptcy under Chapter 7 -- Homeowners filing for bankruptcy under Chapter 13 -- Renters filing for bankruptcy -- 6. What happens to personal property that secures a loan -- What are secured debts? -- How secured debts are handled in Chapter 7 bankruptcy -- Eliminating liens in Chapter 7 bankruptcy -- How secured debts are handled in Chapter 13 bankruptcy -- 7. Making the decision -- 8. Your credit cards -- If your balance is zero -- If you owe money but are current -- 9. Your job, freedom, and self-respect -- Will you lose your self-respect? -- Will you lose your job -- Effect of bankruptcy on job applicants -- Other forms of discrimination because of bankruptcy -- Effect of bankruptcy on child custody -- Effect of bankruptcy on your freedoms -- 10. Bankruptcy forms and procedures -- The Means Test -- Challenges for abuse -- Valuation hearings -- Common Chapter 7 motions and proceedings -- Converting from one chapter to another -- Potential problems in Chapter 13 -- Filling out the bankruptcy forms -- 11. Getting help with your bankruptcy -- Debt relief agencies -- Bankruptcy petition preparers -- Bankruptcy lawyers -- Legal research -- 12. Alternatives to bankruptcy -- Do nothing -- Negotiate with your creditors -- File for Chapter 11 bankruptcy -- File for Chapter 12 bankruptcy --
Appendix A. Federal and state exemption tables -- Doubling -- Wage garnishment laws and exemptions in bankruptcy -- Retirement accounts -- Confirm the exemptions before relying on them -- Appendix B. Charts and worksheets -- Median Family Income Chart (effective November 1, 2014) -- Worksheet A. Current monthly income -- Worksheet B. Allowable monthly expenses -- Worksheet C. Monthly disposable income -- Worksheet D. The Means Test -- Worksheet E. Personal property checklist -- Worksheet F. Property value schedule -- Appendix C. Sample bankruptcy forms -- Voluntary petition -- Summary of schedules -- Declaration of schedules -- Statement of financial affairs -- Statement of intention -- Notice to debtor -- Creditor matrix cover sheet -- Creditor mailing matrix -- Statement of Social Security number or individual taxpayer-identification number (ITIN) -- Statement of current monthly income and Means-test calculation -- Debtor's certification of completion of postpetition instructional course concerning personal financial management -- Notice to debtor by non-attorney bankruptcy petition preparer attorney fee disclosure -- Statement re payment advices (local form) -- Statement pursuant to Rule 2016 (B) (local form) -- Reaffirmation agreement documents -- Reaffirmation agreement order.
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