Orlando Bankruptcy Attorneys Separate Chapter 7 Fact from Fiction

Orlando bankruptcy firm Clark & Washington clears up some common false beliefs concerning chapter 7 bankruptcy.

2012-08-15

NORCROSS, GA, August 15, 2012 (Press-News.org) Chapter 7 bankruptcy offers a fresh start, which can be a life-saver for those with insurmountable unsecured debt. However, due to the many common misconceptions surrounding Chapter 7 bankruptcy, many people are hesitant to file. The Orlando bankruptcy attorneys at Clark & Washington hope to relieve these concerns by exposing the truth about these Chapter 7 myths.

Myth 1: It is almost impossible to be eligible for Chapter 7.
Since 2005, anyone filing for Chapter 7 bankruptcy is required to pass a means test. This test compares your income to your state's medium income. You are automatically eligible for chapter 7 if the medium income exceeds your own, but you can still qualify if this is not the case, as long as you can show that your disposable income is not sufficient to cover your debts.

Myth 2: You will lose your belongings.
Although certain assets may be repossessed by your creditors, most of your personal assets will be protected by bankruptcy exemption laws.

Myth 3: Your credit will be permanently ruined.
Although your bankruptcy will have an initial impact on your credit, it will not cause long-term damage. You will be able to begin rebuilding credit relatively quickly after your Chapter 7 bankruptcy, and may eventually be able to reach a point where your credit is even better than it was before you filed.

Myth 4: I will lose my job and will not be hired for future jobs.
Employers are forbidden by law to fire or refuse to hire someone due to their bankruptcy status. Furthermore, unless you choose to tell a potential employer about your bankruptcy or authorize a background check, they are unlikely to know about it.

People believe all sorts of things about chapter 7 bankruptcy, and much of it is completely innaccurate. If you are in a desperate financial situation and considering filing for bankruptcy in Orlando, you deserve the truth. Contact Clark & Washington to set up a free, no-obligation consultation with an Orlando bankruptcy lawyer at http://www.orlando-bankruptcy-help.com.

About Clark & Washington

Established in 1983, Clark & Washington is now one of the leading bankruptcy filers in the southeast. They have locations in Georgia, Florida, and Tennessee. Clark & Washington specializes in personal chapter 7 and chapter 13 bankruptcy. They offer honest, helpful legal advice to those experiencing financial hardships.

For more information visit: http://www.orlando-bankruptcy-help.com.

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