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Yes. The bankruptcy must be filed prior to the foreclosure sale date to stop a foreclosure. Chapter 7 bankruptcy will temporarily postpone foreclosure. Chapter 13 can be used to put you on a repayment plan for your mortgage arrearage and permanently stop the foreclosure if you make all payments.

There is no magic formula to rebuilding your credit. You will likely receive credit card offers in the mail three to six months after your case is filed. By using credit wisely you may be able to reestablish your credit within two to three years.

Generally, as soon as you file bankruptcy you will start to receive offers from car dealerships to purchase cars under various post bankruptcy programs.

No. A petition preparer is not an Attorney. It is against the law for them to provide you any legal advice. Only an Attorney can provide you with legal advice. A petition preparer cannot file your case for you. All they can do is take your information, right or wrong, and put it into the petition and then give it back to you and it is your problem. You have to ask yourself if it is really worth saving a little money to get rid of tens of thousands of dollars in debt and risk doing it wrong. By the way, hiring an Attorney to try to fix the problems may very well cost you a lot more than doing it right to begin with.

Chapter 7 takes about 90 days from the time the case is filed until the court can issue an order wiping out your debt although your case may remain open for a long time if the bankruptcy trustee is making a distribution to your creditors. Chapter 13 is a 3 to 5 year repayment plan depending on income level and payment amount.