Answers To Popular Questions

How long until I can get my life back on track?

1. Once you hire us as your attorney, stop making payments to your creditors.

Once we receive your signed agreement and the deposit you can stop making payments on all of your credit cards and loans (except of course for secured loans such as a car or house that you want to keep or a non dischargeable loan such as student loan).

If you have given any of the creditors or collection agents post dated checks, stop payment on the checks or close your bank account. If you have set up an automatic payment plan with the collector and your bank account, stop it immediately even if you have to close your bank account.

2. When can I use my bank accounts or get new credit?

Subject to certain exceptions, once your case is filed you can use your checking and savings accounts, open new checking and savings accounts, get new credit cards and otherwise get back on track on with your life.

3. What do I do about that debt consolidation program or debt resolution program I signed up with?

Stop making any payments to those so called “debt consolidation programs” or “debt resolution programs”. If you have given any of the programs post dated checks, stop payment on the checks or close your bank account. If you set up an automatic payment plan with the program and your bank account, stop it immediately even if you have to close your bank account.

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