Should I consider Chapter 7 or Chapter 13?

More bankruptcy and debt situations

• Divorce and bankruptcy may happen at the same time Coordinate both cases before dividing assets, assigning debts, or filing.
• I earn too much; does that rule out bankruptcy? Income is important but does not provide a universal yes/no answer.
• Will my spouse or cosigner be protected? One person’s filing or discharge does not automatically eliminate another person’s liability.
• There is already a judgment against me Obtain the court record and investigate available relief promptly.
• I moved between NJ, NY and DC Recent moves can affect both where you file and which exemptions apply, using different legal tests.
• I am behind on the mortgage Contact the servicer and a HUD-approved housing counselor promptly while separately tracking any court deadlines.
• A creditor is collecting after my discharge Determine whether the debt was discharged and whether the contact concerns personal liability or a surviving lien.
• Someone offers to erase debt or repair credit for a fee Verify the provider and understand costs and risks before paying or stopping creditor payments.

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