Bankruptcy FAQ

For the most part, no. Bankruptcies are public records, but unless someone is specifically looking, your friends or employer won’t be automatically notified. However, notices do go to your creditors and co‑debtors.

Yes, absolutely. Many clients receive credit offers soon after their case because they have less debt. Rebuilding credit is possible within a year or two by practicing good financial habits.

Not likely. Both Chapter 7 and 13 have provisions to protect your home or car, either through exemptions or a repayment plan. We'll explain based on your case.

Student loans are generally not dischargeable except in rare hardship cases. Some tax debts can be discharged if old enough; others can be included in a Chapter 13 plan.

It will be noted on your credit report (10 years for Chapter 7, 7 years for Chapter 13). However, many clients see their score start to improve within a year because they’re no longer weighed down by delinquent accounts.