A fresh start.

Your financial future is up to you. Bankruptcy, although upsetting, doesn’t have to be the end of the line. The cliché is true: the future really is what you make of it.

North Law is here to lead you through the legal rigors of the bankruptcy process. From there, we can help you make a fresh start to financial recovery. You can learn to re-establish your credit, increase your earning potential and eventually move into a brighter, more financially stable future.

A Biblical Perspective
to Debt

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A Biblical Perspective
to Debt

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LEARNING ABOUT BANKRUPTCY

The right to file bankruptcy is provided for by Federal law. Many people mistakenly believe that a bankrupt person cannot own anything after filing bankruptcy. But in fact, people who file bankruptcy rarely lose their possessions. The Bankruptcy Code allows you to choose a form of bankruptcy so you can keep property with significant equity.

Two types of consumer bankruptcy:

 

CHAPTER
7

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CHAPTER
13

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REQUIREMENTS OF BANKRUPTCY

It’s important to understand that Federal Law requires you to take certain credit counseling and financial management courses
before the bankruptcy filing process can be completed. The following links can help you get started.

BEFORE YOU FILE

ITEMS NEEDED TO BE FILED

AFTER YOU FILE

1. Value of personal property

2. Names and Addresses of creditors

3. Amount owed to creditors

4. Payoff settlements for mortgages,
vehicles etc.

5. Salary with pay stubs for last 8 months

6. Tax returns for the past 2 years

7. List of expenses

Federal Law requires you to take a
credit counseling course BEFORE
you can file for bankruptcy.

Abacus Credit Counseling

Federal Law requires that you take a
financial education/debtor education course
AFTER you file for bankruptcy,
but BEFORE you can receive a discharge
(successfully complete the bankruptcy).

Dave Ramsey’s
Financial Peace
University

Testimonials:

“Absolutely wonderful! North Law was informative and worked with me to figure out a plan for the bankruptcy and a budget for moving forward. This team at North Law are the reason my life is so different today. I would and will always recommend North Law.”