The first thing I ask my clients, during our free consultation in the Miami office, is why are they thinking of filing for bankruptcy.  Usually the respond that they have too many debts and they can’t continue to pay.  They then begin to tell me all of their debts including medical bills, credit cards, mortgages, car loans, pay day loans, etc. and they want to know if all their debts will be discharged in the bankruptcy.  The answer is that while bankruptcy may get rid of MOST of your debts some debts will remain.

The most common debt that is non-dischargeable in bankruptcy is student loans.  If you have student loans before you file for bankruptcy you will continue to have them after filing.  Nothing will change with your student loans.    Furthermore if you have a mortgage or a car payment and you plan to keep your car or home, those debts will not be discharged in your bankruptcy.   Committing bankruptcy fraud or maxing our your credit cards prior to filing will likely yield those debtor, or in some cases, all  of your debts non-dischargeable.

Using a bankruptcy attorney you actually get someone who can answer your legal questions, give you legal advice, and appear in court with you.  It’s worth paying the money to hire a qualified bankruptcy lawyer.

If you are thinking of filing for bankruptcy in South Florida and would like to speak with an experienced Chapter 7 and Chapter 13 bankruptcy attorney then please contact Shmucher Law, PL and attorney Ofer Shmucher.  We offer free consultations seven days a week and can be reached at 954-309-5559 or 305-741-5553.