There is already a judgment against me

More bankruptcy and debt situations

• What property must I disclose? Provide a complete, truthful disclosure; an asset can matter even if it is uncertain, jointly owned, or not cash.
• Can I file without a lawyer or pay in installments? Individuals may have self-representation options, but bankruptcy has substantial legal and procedural consequences.
• I am considering withdrawing retirement savings to pay debt Get advice before using potentially protected retirement funds for unsecured debt.
• The debt came from identity theft Use identity-theft reporting and dispute processes, and separately address any lawsuit.
• What does the automatic stay actually stop? Filing can pause many collection actions, but the stay has exceptions and can be limited or lifted.
• My small business has debt Business structure and personal guarantees determine which debts and assets need review.
• Can bankruptcy erase taxes, support or fines? Some obligations are excepted from discharge; tax treatment and other exceptions require detailed review.
• I moved between NJ, NY and DC Recent moves can affect both where you file and which exemptions apply, using different legal tests.

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