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Bankruptcy Basics - Part 1: Introduction

What is bankruptcy? What happens in a bankruptcy case? Bankruptcy is a legal process that provides relief for individuals who can no longer pay all of their debts. If you are considering bankruptcy, this video will give you basic information about the process, the relief it offers, and how to find the legal help you need.

2:50 Debtor
English
Bankruptcy Basics - Part 2: Types of Bankruptcy

A brief review of the three main types of bankruptcy cases for individuals chapters 7, 11, and 13. The most common types of bankruptcy are chapter 7, which are liquidating bankruptcy, and chapter 13 cases, often used by individuals who want to catch up on past due mortgage or car loan payments and keep their assets.

4:06 Debtor
English
Bankruptcy Basics - Part 3: Limits of Bankruptcy

Certain types of debt, such as child support, alimony, and most student loans, cannot be discharged in bankruptcy. Wrongful conduct may make some debts non-dischargeable. Examples of such conduct are incurring credit card charges without the intent or ability to repay, or obtaining loans using false financial information.

4:44 Debtor
English
Bankruptcy Basics - Part 4: Filing for Bankruptcy

How does someone file a bankruptcy case? In order to file for bankruptcy, an individual must take a credit counseling course to learn about alternatives to bankruptcy as well as accurately complete and file a number of documents.
 

3:08 Debtor
English
Bankruptcy Basics - Part 5: Creditors' Meeting

Every debtor is required to appear at a creditors' meeting conducted by a trustee who asks the debtor questions about the debtor's financial condition and gives creditors the opportunity to do the same.

1:39 Debtor
English
Bankruptcy Basics - Part 6: Bankruptcy Crime

A debtor must be honest and accurate in dealing with the court or face serious consequences, including being charged with a bankruptcy crime.

3:36 Debtor
English
Bankruptcy Basics - Part 7: Courts Hearings

In some cases, a debtor may be required to appear at hearings before a bankruptcy judge.

3:52 Debtor
English
Bankruptcy Basics - Part 8: The Discharge

Debtors are usually able to discharge most or all of their debts. Once a debt is discharged, a creditor may not attempt to collect it from the debtor.

1:39 Debtor
English
Credit Counseling Requirements

Credit Counseling Requirements

2:40 Debtor
English
Filing Fees

This video explains the court's current filing fees and reviews options for paying those fees.

2:19 Bankruptcy
English
Filling Out and Filing a Proof of Claim

This video provides general information to creditors about filling out and filing a Proof of Claim with the Court.  A Proof of Claim is a written statement and any supporting documentation which describes the reason the debtor owes the creditor money.  The claim must be filed using Official Form 410.

7:40 Creditor
English
Personal Financial Management

This video  explains the requirements for completing the personal financial management course which is the second debtor education course for chapter 7 or chapter 13 individual debtor after filing for chapter 7 or chapter 13 bankruptcy but before the debtor can obtain the order of discharge the debtor must complete an instructional course in personal financial management from an approved provider.

2:37 Debtor
English
Reaffirmation

This video will provide important information for debtors regarding reaffirmation agreements. The United States Court glossary defines a reaffirmation agreement as "an agreement by a debtor to continue paying dischargeable debt after the bankruptcy, usually for the purpose of keeping collateral or mortgage property that would otherwise be subject to repossession."

4:55 Debtor