This sounds very complicated. It takes a little time and effort, but if you are organized and have all the information on your financial affairs available, you and your attorney can create a feasible plan. You have been permitted the time necessary to bring your mortgage and car payments up to date. You are discharged from further payment of dischargeable debts. If that happens, you have waited too long to save your home or car.
Bankruptcy is a right granted by the United States Constitution.
Therefore, it is available in all 50 states. The transmission of this Newsletter does not create an attorney-client relationship between the sender and you. Do not act or rely upon the information in this communication without seeking the advice of an attorney. Each person's situation is different and you should always consult with an attorney before taking any action which may affect your legal rights.