Introduction to Bankruptcy .mp3 audio* New Bankruptcy Law Effective October 2005 Bankruptcy & electronic filing When should bankruptcy be considered? How long does it take? Can I file more than once? Attendance of court hearing Fees & costs for bankruptcy What is Chapter 7? What is Chapter 11? What is Chapter 13? What is a secured / unsecured creditor?

Specific Debtor Concerns .mp3 audio* Should both spouses file? Do I have to list all of my debts? Should I dispose of my possessions before I file? Will my employer be notified? Do I get to keep my assets? What debts cannot be eliminated? Can I protect my co-signers? What is the effect on my credit rating & can I re-establish my credit after I file?

About Our Law Firm .mp3 audio* About Robert J. Everhart Should I have an attorney?

Lawsuits/Foreclosures/Repossessions .mp3 audio* Can home foreclosures be stopped? Can I stop my vehicle from being repossessed & what can I do if it has been repossessed? Can creditor harassment be stopped? What can I do about lawsuits & judgments? Can bankruptcy stop garnishments if they are already in place?

Student Loans & Support .mp3 audio* Effect on student loans Effect on child support

Taxes .mp3 audio* What if I have not filed tax returns? Can I eliminate or reorganize tax debts? Will bankruptcy stop a tax levy?

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