My bank account was frozen

More bankruptcy and debt situations

• I moved between NJ, NY and DC Recent moves can affect both where you file and which exemptions apply, using different legal tests.
• What does the automatic stay actually stop? Filing can pause many collection actions, but the stay has exceptions and can be limited or lifted.
• What property must I disclose? Provide a complete, truthful disclosure; an asset can matter even if it is uncertain, jointly owned, or not cash.
• Will my spouse or cosigner be protected? One person’s filing or discharge does not automatically eliminate another person’s liability.
• Which counseling and education courses are required? Prefiling credit counseling and postfiling debtor education are separate requirements, with limited exceptions.
• Can I give assets to family or repay relatives before filing? Get advice before transferring property or making unusual payments.
• Can bankruptcy erase taxes, support or fines? Some obligations are excepted from discharge; tax treatment and other exceptions require detailed review.
• I received a debt-collection lawsuit Respond through the court process by the applicable deadline, even if you already disputed the debt with the collector.

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