Many of the people reading this have conducted research on the Internet about filing bankruptcy and they probably realize the bankruptcy laws significantly changed in 2005. Many of them have likely heard or read the new bankruptcy laws have taken away their right or ability to file for bankruptcy. Others are under the misconception that they don’t qualify or they have to repay all their debts prior to filing for bankruptcy.

Those are all common misconceptions. Every day we have people come in and say: “I want to file bankruptcy, but I’ve heard I can’t discharge my credit card debts,” or “I've heard I can’t file a Chapter 7 anymore because I have to repay all my credit cards debts first.” That is simply not true! Right before the laws changed in 2005 hundreds of law firms spread the false message of “File bankruptcy now because you might not be able to file a Chapter 7 in the future.” That was not true then and it definitely is not true today! We help our clients file Chapter 7 every day of the week.