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Heimer Law Offices
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“After a brief questionnaire and telephone consult, I was invited to meet with Heimer to decide there was anything that could be done to resolve my situation.”
FAQs
How will filing bankruptcy affect my credit?
Bankruptcy is typically no better or worse than having bad credit. A bankruptcy stays on your credit record for 7 to 10 years from the time of your discharge. Once your case is discharged, you can start rebuilding your credit.
Will bankruptcy stop a wage garnishment?
Filing bankruptcy will stop a garnishment. Please contact us immediately upon the freezing of your accounts or the garnishment of your wages to discuss you options.
Can I file another bankruptcy?
In many instances, yes. There are several factors involved in determining if you can refile. You should advise us of any prior filings so that we can best help you figure out if refiling is an option for you.
Are student loans discharged in bankruptcy?
Student loans that are not paid back 100% survive the bankruptcy and are not discharged along with other unsecured debts. This means you will still be responsible for any unpaid portion, plus interest, after the discharge of your bankruptcy.
What is a priority debt?
A priority debt is a type of unsecured debt that is deemed more important than a typical unsecured debt and you are generally required to pay these amounts back in full. Examples of a priority debt would be IRS debts not greater than 4 years old or debts owed to other governmental agencies, such as child support obligations or an overpayment of social security benefits.
More information can also be found on the FAQ page of our website.
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