New Bankruptcy Code Fact: Congress passed new laws in October 2005, but very little has actually changed.

YOU CAN STILL FILE, AND OTHER THAN SOME MORE PAPERWORK,

YOU WON'T NOTICE ANY DIFFERENCE FROM THE PRIOR BANKRUPTCY LAW!!

Only changes outcome for 4% of filers.

Requires counseling before filing, which can be done over the phone in about one hour.

Requires education class after filing, takes about 2 hours, you can do it at home and take a test on the phone or over the internet.

You need pystubs for the last 6 months.

You need the last two years state and federal income tax returns.

All tax returns need to be filed before your case is filed.

You must wait 8 years after filing a chapter 7 to file another chapter 7, it was 6 years before.

You can file a chapter 13 after a chapter 7 and don't need to wait.

Call my office to get phone numbers for the pre-filing counseling.