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Bankruptcy FAQs

Here are some answers to bankruptcy questions to help you get an initial understanding of bankruptcy. For additional information, contact our bankruptcy lawyers to arrange a free initial consultation.

Frequently Asked Bankruptcy Questions & Answers

Click on the following bankruptcy questions for detailed answers:

Should I keep paying my bills while I’m in the process of filing?

The general rule is that if you have a secured debt, you should continue making payments if you want to keep the property. With unsecured debts, it doesn’t make sense to make payments on credit cards that will be discharged in bankruptcy (student loans are the exception).

Do I need to change my banking accounts?

Only if you owe your bank an unsecured debt that is going to be discharged in bankruptcy, because if so, the bank will take anything that remains in your accounts and apply it toward unsecured debt you have with it. That is why you should close all accounts you have with your bank.

Who’s going to know that I filed bankruptcy?

Bankruptcy filings are public record, meaning anyone who wants to find out, can. Almost all documents from a bankruptcy are on file. But, as a practical matter, the only people who get written notification of a bankruptcy filing are creditors listed and other people who are liable on debts you owe. Employers do not get written notification. Neither do relatives unless they owe money on the particular debt or are owed monthly by you. Otherwise anyone would have to actively look up bankruptcy in your bankruptcy file.

What debts am I still going to be responsible for?

There are a number of debts that are not discharged in bankruptcy. There are other debts that may not be dischargeable. In order for these nondischargeable debts to become dischargeable, it requires a creditor to pursue bankruptcy in an adversary court proceeding.

Can I buy a house after I file bankruptcy?

Nothing disqualifies you, but it all depends on the credit you build after bankruptcy. Qualifications for mortgages are variable to change depending on credit ratings, the economic market and the mortgage companies’ qualification process for home loans.

Have More Questions? Get a Free Initial Consultation.

If you are considering filing for bankruptcy or you are having financial difficulties, you probably have many questions about bankruptcy and what it can do for you. At The Law Offices of W. Robert Montgomery in Lakewood, Colorado, we want to help you achieve peace of mind and find effective debt relief solutions.

Our founding attorney, Bob Montgomery, has more than 40 years of experience practicing law in Colorado. He can explain the bankruptcy laws and rules in a language you will understand and will fully dedicate himself to achieving results for you and your family.

Contact Us for More Information About Bankruptcy

Call 720-496-1338 or toll free at 888-559-9805, or contact our law firm online to arrange your free initial consultation today. Our Lakewood bankruptcy attorneys assist clients throughout the Denver metro area.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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Contact Us For a Free Consultation

Learn More About Us, Watch Our Videos Now

Contact Us For a Free Consultation