Notice. Any short explanation of personal bankruptcy law is oversimplified, so please do not take the following information as legal advice. Only after meeting with you in person and reviewing your situation can an attorney be sure of how the law will affect you. The law firm of Ruff & Cohen provides the following only as general information to the public for its educational value.

Table of Contents
A. Bankruptcy Law Introduction

1) Types of Bankruptcy, Chapter 7, 9, 11, 12 & 13

2) Federal or State law

3) Filing the petition

4) Automatic Stay

5) Bankruptcy Trustee

6) Creditors Meeting

B. Chapter 7

1) Forgiveness of debt

2) Exempt Property in Florida, generally

3) Extended list of exemptions

4) Married couples

5) Surrender, Redemption, and Reaffirmation

6) Discharge

7) Distribution and Closing the Case

8) Permanent injunction

9) Chapter 7 timeline, animation

10) Chapter 7 compared to Chapter 13

C. Chapter 13

1) Overview

2) Mortgage foreclosure and reinstatement

3) Chapter 13 Plan

4) The Battleground in Chapter 13

5) Keep more of your property

6) Can you file a Chapter 13?

7) Chapter 13 compared to Chapter 7

D. Chapter 11

1) Chapter 11 Plan

2) Success in Chapter 11

3) Relative expense

E. Fees and Costs

1) Court filing fees, chart

2) Attorneys fees in bankruptcy

3) What about "Paralegals"?

4) A bankruptcy lawyer does so much more for you

F. FAQ's (Frequently Asked Questions)

G. New Bankruptcy Legislation
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