Bankruptcy Myths Part 4

In this article I will share the final 2 myths about bankruptcy that many people believe.

Myth #13 – “Creditors can still hound me”

On the contrary, once your case goes before the court, the judge can issue a restraining order prohibiting your creditors from trying to get you to pay your debts through phone calls, letters, billings, notices of demand or any other form of communication. If any creditor continues to do so, he is breaking the law and is subject to punishment. Once you engage me as your attorney, all you need to do is inform me and I will take it up on your behalf.

Myth #14 – “I cannot remove previous tax debts”

Besides being well versed with the bankruptcy code, I am also a tax attorney. And I can tell you for sure that this myth is only half true. The truth is that you can wipe out tax debts of more than 3 years provided you meet certain conditions. This applies to income tax. On the other hand, sales tax cannot be removed by filing for bankruptcy and they must be paid up.

In summary, there are at least 14 myths about bankruptcy that I trust you have dispelled as you have read through my articles. Here they are again:

1. I will never be credit worthy again
2. My bankruptcy will become public knowledge
3. Bankruptcy will take away everything I own
4. The Bankruptcy Abuse Prevention and Consumer Protection Act makes it very difficult for me to get my application for bankruptcy approved
5. The process is too difficult
6. I am no good
7. I am a loser in life
8. I can never own property again
9. What to include in my bankruptcy application is up to me
10. I can only apply for bankruptcy once
11. As husband and wife, we must apply for bankruptcy as a couple
12. My family will suffer
13. Creditors can still hound me
14. I cannot remove previous tax debts

Most of these myths are completely untrue while a few are only partially true under certain circumstances. The only way you can deal with these myths and make a successful application for bankruptcy protection is by engaging a competent attorney to advise and represent you.

My name is Darrin Mish and I know how difficult it is to cope with crippling debt. I have seen it in hundreds of my clients, which is why I offer you my services as a bankruptcy attorney. I have more than 20 years’ legal experience and have been rated a maximum 10 by Avvo, the attorney rating agency. Please call my office at our number (813) 200 4133 for a free consultation without any strings attached. I look forward to serving you.

Part 1 | Part 2 | Part 3