Do I have to list all of my debts in my bankruptcy filing?

When you file for bankruptcy, you must list all debts on the appropriate forms. Failure to do so can negatively affect your bankruptcy filing, in some cases resulting in the filing being dismissed and in other instances resulting in the debts you failed to list simply not being discharged.

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How long is an automatic stay in bankruptcy?

Filing for bankruptcy automatically protects the debtor by providing him with an automatic stay. An automatic stay means the debtor or debtors filing for bankruptcy are legally protected from creditors attempting to collect on what is owed to them. This automatic stay remains in effect, protecting the debtor, until the bankruptcy case is officially discharged, meaning it has gone through court and is considered official.

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Can utility companies shut off service during bankruptcy?

A utility company may not shut off service solely because you file bankruptcy or because you owe them money at the time you file bankruptcy. However, if you or the bankruptcy trustee does not give them an adequate deposit or other assurance of payment within 20 days after filing, the Bankruptcy Code allows them to shut off service.

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