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Common questions

Will I lose everything if I file for bankruptcy?
It’s a common belief that you will lose everything if you file for bankruptcy. But that is not necessarily the case. How much you can keep depends on the value of your property and the state in which you live.
What are the basic requirements to file for bankruptcy?
In order to file for Chapter 7 or Chapter 13 bankruptcy, there are certain basic requirements that must be met. First is a means test. In general, you will not be able to file under Chapter 7 if your monthly disposable income is too high. Instead, you will have to file under Chapter 13. You must also complete a credit counseling class and receive a certificate of completion before you file under either Chapter 7 or Chapter 13.
What can a power of attorney be used for?
The scope of the powers you give to your agent is up to you. You can authorize your agent to act for you immediately, or if you become incapacitated. Some of the powers you can grant include:
  • Conducting business or banking transactions
  • Borrowing money
  • Buying, selling or managing real estate
  • Handling legal or insurance claims
  • And more
Why is a power of attorney important?
A power of attorney is important because it allows you to name a person you trust to take over and handle your affairs if you ever become incapacitated. Otherwise, your family might have to file for conservatorship or guardianship through the state court system to get that authority, which can be an expensive and time-consuming process. Having a power of attorney can be reassuring that your financial affairs will be handled by the person you choose.

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Helpful Information

Bankruptcy Basics: When Should You Throw in the Towel?

Just how can you tell when it's time to throw in the towel and declare bankruptcy? Read more for a few tips on how to help you assess your financial danger zone. Read full article

Do I Need a Power of Attorney

Along with a will, powers of attorney for finances and health care should be part of everyone’s estate planning documents. Learn about the various types of power of attorney documents, and when each may be needed. Read full article

Types of Bankruptcy

For individuals, there are two basic types of bankruptcies: Chapter 7 and Chapter 13. An individual may file for bankruptcy under Chapter 7, which is sometimes called "fresh start" or a "liquidation" bankruptcy. Read full article


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