FAQs

     The frequently asked questions page has been developed in order to assist you in finding answers to your questions. If you are an individual filing bankruptcy or considering filing bankruptcy, you may wish to consult the Courts' pro se (filing without an attorney) webpage for additional information, including a video designed to provide clear information regarding the bankruptcy process. Please use the expandable menus below to navigate through the sections of questions.



  • GENERAL BANKRUPTCY AND COURT RELATED QUESTIONS
    • 1. What is bankruptcy?
    • 2. What are the bankruptcy chapters?
    • 3. Who is a bankruptcy case trustee?
    • 4. Who is the United States Trustee?
    • 5. Is bankruptcy information public information? Can anyone look at it?
    • 6. May I speak directly to the judge?
    • 7. What does the Clerk's Office do?
    • 8. Can the Clerk’s Office give legal advice?
    • 9. What if I have an emergency pleading?
    • 10. What identification do I need for entering the Court’s buildings?
    • 11. What form of payment do you accept?
    • 12. I have information about bankruptcy fraud in a case. Where do I report it?
    • 13. I have an attorney and have a complaint about how my case is being handled. Who do I contact?
    • 14. I have a complaint about the trustee assigned to my case. Who do I contact?
  • DEBTOR RELATED QUESTIONS
    • 1. What is a bankruptcy petition?
    • 2. What are bankruptcy schedules and your statement of financial affairs for bankruptcy?
    • 3. What is “credit counseling”?  Where do I take this course?
    • 4. What is the “means test”?
    • 5. What is “Property of the Estate?”
    • 6. What is the automatic stay?
    • 7. What can I do if a creditor keeps trying to collect money after I have filed bankruptcy?
    • 8. What is a proof of claim?
    • 9. What is a Meeting of Creditors?
    • 10. What is an Exemption?
    • 11. What is the Plan of Reorganization?
    • 12. What should I do if I can not make my Chapter 13 payment?
    • 13. What is a reaffirmation agreement?
    • 14. What is redemption?
    • 15. What is an executory contract and why must I assume or reject it?
    • 16. What is “financial management”? Where do I take the course?
    • 17. What is a discharge? When will I receive it?
    • 18. Are all debts discharged in bankruptcy?
    • 19. Does a discharge remove the lien against my property?
    • 20. What can I do if a creditor continues to try to collect on a debt from me that was   discharged in my bankruptcy case?
    • 21. What does it mean if a case is dismissed?
    • 22. How long does a bankruptcy case stay on my credit report?  How do I get a bankruptcy removed from my credit report?
  • CREDITOR RELATED QUESTIONS
    • 1. How do I find out if I’m listed as a creditor?
    • 2. What is the “Notice of Case, Meeting of Creditors and Deadlines” document I  received?
    • 3. Do I have to attend the Meeting of Creditors to get my money?
    • 4. How do I file a claim?
    • 5. I am a creditor in a case that has converted to another chapter.  Is it necessary for me to file another Proof of Claim?
    • 6. If I timely file a proof of claim, will I receive payment?
    • 7. How do I get notices sent to me in a bankruptcy case if I am a creditor of the debtor?
    • 8. A company or individual has filed for bankruptcy and owes us money. What action can we take?
    • 9. How do I obtain relief from the automatic stay?
    • 10. May I have access to the debtor’s tax returns?
    • 11. What is Lien Avoidance? 
    • 12. How do I object to the debtor’s general discharge?
    • 13. How do I object to the dischargeability of my debt?
    • 14. How can the debtor get away without paying me?
    • 15. As a creditor, how can I register to file documents and receive notice of case activity electronically in CM/ECF?
  • FILING WITHOUT AN ATTORNEY
    • 1. Do I need an attorney to file bankruptcy?
    • 2. Do I really need to know all of the applicable law and rules since I do not have an attorney?
    • 3. Finding An Attorney
    • 4. What services can a bankruptcy petition preparer provide?
    • 5. Under what chapter do I need to file?
    • 6. Can I receive a waiver or exemption from the requirements of pre-petition credit counseling or post-petition financial management?
    • 7. Where do I file?
    • 8. What is the filing fee for filing a bankruptcy petition?  Can the fees be waived? Can I make payments?
    • 9. What documents do I need to file?
    • 11. How do I know if a debt is secured, unsecured, priority, or administrative in order to fill out my schedules correctly?
    • 12. What if I dispute a proof of claim filed by a creditor?
    • 13. Do I have to attend the Meeting of Creditors, and what if I am unable to attend on the day scheduled?
    • 14. What is a certificate of service?
    • 15. How do I file a change of address?
    • 16. How do I dismiss my case?
    • 17. What should I do if I realize that I inadvertently failed to list a creditor in my schedules after my bankruptcy case is closed?
  • WHERE CAN I FIND…?
  • CM/ECF RELATED QUESTIONS