Hari R. Ender is a consumer bankruptcy attorney practicing in Northeast Ohio. She has authored bankruptcy articles on Nolo.com as well as other bankruptcy sites in the Nolo Network. She earned her undergraduate degree at The Ohio State University and her law degree at the University of Pittsburgh School of Law. Hari practiced bankruptcy law exclusively for several years and in 2011 established her own practice, the office of Hari R. Ender, Esq., Attorney at Law.
Articles By Hari Ender
When you file a Chapter 7, 11, or 13 bankruptcy, the automatic stay prevents creditors from trying to collect debts from you. This means they can’t contact, bill, or sue you or undertake other collection activities like repossessing your property or garnishing your wages.
There is no bar to filing for bankruptcy if you are unemployed. Like all Chapter 7 bankruptcy filers, you'll have to pass the means test in order to file for Chapter 7. The lower your income, the easier it is to pass.
When you file a consumer bankruptcy under Chapter 7 or 13 of the Bankruptcy Code, you are required to complete a credit counseling course before you file your bankruptcy and a debtor education course after you file but before you receive your discharge.