John Butler graduated from the University of Massachusetts with a Bachelor of Science Degree in Psychology, and went on to graduate from University of Oregon Law School in 1999. He is a former chair of the debtor-creditor section of the Lane County Bar Association, and a member of the National Association of Consumer Bankruptcy Attorneys (NACBA.)
Heather McIntosh has worked at Armstrong Bankruptcy Law Offices for over 15 years. With John, she assists our clients through every stage of the bankruptcy process, from setting initial consultations through preparation and filing of the bankruptcy petition and preparation of documents for hearings.
Heather McIntosh has worked at Armstrong Bankruptcy Law Offices for over 15 years. With John, she assists our clients through every stage of the bankruptcy process, from setting initial consultations through preparation and filing of the bankruptcy petition and preparation of documents for hearings.
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A: While it's true that bankruptcy laws changed with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, the changes are not as drastic as you might think. Generally, more paperwork and documentation is required, and you will be required to participate in debt management classes. Your attorney can explain these requirements to you in more detail.
The chart below is a simplified version of the bankruptcy process. As you can see, the option to file a chapter 7 bankruptcy rather than a chapter 13 bankruptcy is based on the means test, an addition to the bankruptcy code introduced with the Bankruptcy Abuse Prevention and Consumer Protection Act.
While it's true that bankruptcy laws recently changed with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, the changes are not as drastic as you might think. Generally, more paperwork and documentation is required, and you will be required to participate in debt management classes.
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