The 16 Secrets Your Creditors Don't Want You To Know!

Also known as the "16 Myths About Bankruptcy"!

You know all those bad things you've always heard about bankruptcy. Most of it is NOT TRUE....and I'll prove it ....right here...right now.

Wouldn’t it be a shame if you didn’t find out the truth; and because you didn’t find out the truth, you never filed bankruptcy, and because you never filed bankruptcy, your family had to suffer for it…year in…year out...for no good reason at all?

Here are the Top 16 Myths your creditors would like you to believe...and the reason why every one of them is NOT TRUE. 

Myths...Lies...Secrets...you have a right to know the truth!

(Simply "Click" on the item below that interests you.)

Myth 1: Under The NEW Bankruptcy Law... There's No More Bankruptcy and No More Help (or It's Too Late To File).

NOT TRUE

Nothing could be further from the truth.

Sure you heard it in the press, but it's just not true.  The news media overcooked the whole story.  The truth is, you can do almost everything under the NEW law that you could do under the OLD law.  In some ways, the new law actually increased the benefits of filing bankruptcy.

As it turns out (and you need to hear this), many clients are getting a better break under the NEW law than they would have gotten under the OLD law!

Want proof?  The NEW law made possible our new $99 per month bill consolidation program.  This was not allowed under the OLD law.  It works so well for clients that we have named it our "Debt Buster" plan. Want to learn more about the new "$99/mo Debt Buster"? (Just click here)

Surprised?  So were we, but it's the truth. Find out for yourself.
Just call toll free to 1-800-899-1414 to set up a totally FREE initial consultation.

That NEW bankruptcy law: We Figured It Out.  Want to find out more? (Just Click Here)

Myth:2 Everyone Will Know You Have Filed For Bankruptcy.

NOT TRUE.

Unless you're famous, chances are very good that the only people who will know about a filing are your creditors and the people you slip and tell.

While it's true that your bankruptcy is a matter of public record, the number of filings is so massive, that unless someone is specifically trying to track down information on you, there is almost no likelihood that anyone will even know you filed.

However, you have to make sure you don’t slip and tell someone.  Telling someone that you filed bankruptcy is just good gossip, just like telling someone that you heard so-and-so is getting a divorce or has cancer.  So, if you don't want everyone you know to know you filed bankruptcy, you need to keep the information to yourself.

As for newspapers, my experience is that most papers don't include information about who filed bankruptcy, and even if they did, think about it...who would be interested enough to read that stuff?

Myth 3: You Will Lose Everything You Have.

NOT TRUE.

Most of our clients don't lose anything.

While laws vary from state to state, every state has exemptions that protect certain kinds of property. Using North Carolina as an example, there are exemptions to protect such things as your house, your car, your truck, household goods and furnishings, IRAs, retirement plans, the cash value in life insurance, wages, and personal injury claims. There is even a "wildcard" exemption of $5,000 per person that can be applied wherever you want it.  In those rarer situations where you have more property than can be protected by available exemptions, there is Chapter 13. In Chapter 13, you can even keep this property by paying a higher Chapter 13 plan payment.

At the same time, filing bankruptcy does not generally wipe out or get rid of mortgages or liens against your property.  Therefore, if you want to keep a car, truck, home or business equipment that serves as collateral for a loan, you need to keep paying on the debt.  If you make these payments and have exemptions to cover any value above what is owed, you can rest assured you will be able to keep these items.

Myth 4: You Will Never Be Able To Own Anything Again.

NOT TRUE.

This is completely false.  A surprising number of people believe this to be true.  But, not true. The truth is, however, that, in the future, you can buy, own, control and possess whatever you can afford.  If you have or can come up with the money, there are no laws prohibiting you from buying homes, cars, trucks, equipment, household goods, etc., once you get what is called your ‘discharge in bankruptcy’.

Myth 5: You Will Never Get Credit Again.

NOT TRUE.

Actually, quite the opposite is true.  You are more likely to get credit after you file, than if you don’t file.

Filing bankruptcy gets rid of debt.  Getting rid of debt puts you in a position to handle more credit.  This makes you look more attractive to banks, credit card companies and other lenders.  

In my experience, unfortunately, it won't be long before you're getting credit card offers again.  I say "unfortunately" because I don't want you to get right back in debt again.

At first, the banks, credit card companies and other lenders will want more money down and will want to charge you higher interest rates.  However, if you are careful, keep your job, start saving money, pay your bills, and do things that put good marks on your credit report, the quality of your credit will get better and better over time.  Generally, if a client has not re-established good credit in 2 to 4 years, sufficient to even buy or refinance a house, it's not because they filed bankruptcy.  It generally means that something else has happened after the bankruptcy to hurt their credit.

The truth is that we have had lots of clients buy cars and trucks almost immediately after they finished with their bankruptcy.  A few clients have even managed to buy a car or truck while they were still in bankruptcy.

 Myth 6:  Filing Bankruptcy Means You're a Bad Person.

NOT TRUE.

Quite the contrary. Filing bankruptcy means you’re a good person, acting responsibly.

Everyone wants to pay their bills.  Everyone.  And everyone wants to take care of their family and provide their family with all the things they need.  But, if you can’t do both?  Which is more important?  Your family, of course.

Filing bankruptcy gets rid of certain debts.  Getting rid of certain debts frees up money to better take care of your family.  Freeing up money to better take care of your family lets you put thing back in their proper order: Family first.  Putting your family first is good and honorable and noble and doing so means you’re a good person.

There are good reasons why over 750,000 families file bankruptcy every year, and it's not because they’re bad people.  Lots of good, honest, hard-working people fall on hard times.  Job losses, medical difficulties, family emergencies, bad decisions, failed businesses, etc., are just a fact of life.  Let's face it, life can be brutal, and sometimes the money's just not there.  The bankruptcy laws were created with this in mind, to make sure that…if you need it…you and your family have a way to escape from the crushing burden of debt, to make sure that your family does come first, and so that you and your family can have a second chance at a "fresh start".

Myth 7: Filing Bankruptcy Will Hurt Your Credit For 10 Years.

NOT TRUE.

You are getting 2 completely different concepts confused with each other. You are getting the fact that bankruptcy is reported on your credit report for up to 10 years mixed up with the effect that reporting will have on your credit.  Just because something is reported on your credit report does NOT necessarily mean it will have a negative effect on your credit standing.

First, let's get one thing out in the open.  By the time you need to make an appointment to see a bankruptcy attorney, your credit is already messed up or maxed out…or both…or at least strongly headed in that direction.  Think about it.  If your credit is already messed up or maxed out, you…more than likely…have no credit for bankruptcy to hurt.

Furthermore, as I’ve previously mentioned, in my experience if you have not re-established good credit in 2 to 4 years after you file bankruptcy, it most likely has nothing to do with the fact that you filed bankruptcy.  And it certainly has absolutely nothing to do with the fact that your credit history still shows an old bankruptcy filing.

Now...the really big news!

Want to re-build credit? Want a higher "credit score"? Filing bankruptcy can actually help!

It's the opposite of what most people think. Most people think bankruptcy will hurt their credit...and if you had "great" credit...that would be true.

But...with all due deference and respect...you wouldn't be reading this if you had "great" credit...or if you could pay ALL your bills. And...even if you still have some credit...not being able to pay ALL your bills on time will kill whatever credit you still have.

For most people...the truth is..."FILING BANKRUPTCY ACTUALLY HELPS RE-BUILD CREDIT...AND HELPS INCREASE "CREDIT SCORES"!"

It's true. Why? Because the first step in re-building credit and getting a higher "credit score" is always the same. You have to get rid of some debt. Nobody is going to lend you more money or give you more credit until you get rid of enough debt to make sure you can handle another loan or more credit...and make the payments.

Getting rid of debt is bankruptcy does best. It's the "big thing" bankruptcy does. Bankruptcy gets rid of debt...debts like credit cards, medical bills, repo debts, foreclosure debts and so on*...and getting rid of debt makes you look better for the purpose of getting future loans and credit. It's that simple. * How much debt you can get rid of will depend upon the facts of your particular situation.

Think about it. What else...in the world...besides bankruptcy...let's you get rid of debt without having to pay it?

So...how does bankruptcy let you get rid of debt without paying it?

The answer is that the bankruptcy laws "rip up" contracts....and when you "rip up" contracts...the contract obligation is gone...for good, finally and forever.

And this applies to credit cards too. Whether you realize it or not...credit cards are just another form of contract. Remember that box you "checked" when you applied for your credit cards? That was the contract. Filing bankruptcy "rips up" credit card contracts too.

And.."ripping up" contracts gets rid of debt. So...want good credit? Want a higher "credit score"? Start by getting rid of some debt...and to do this...start by filing bankruptcy!

Myth 8: If You're Married... Both You and Your Spouse Have To File For Bankruptcy.

NOT TRUE.

Not true at all.

We have filed hundreds, and probably thousands of cases, where a husband, or a wife, but not both, filed bankruptcy.

In many cases, where husband and wife both have a lot of debt, it makes sense and saves money for them to both file, but it is never a ‘requirement’ under the law. However, in many situations, there is no good reason at all for the second spouse to file.  In these situations, we just file the spouse who needs the help, and leave the other spouse completely out of it.

Myth 9: It's Really Hard To File For Bankruptcy.

NOT TRUE.

With some lawyers, yes.  But not in the hands of an experienced bankruptcy attorney.  

With our help, filing bankruptcy is easy. The decision to file may be hard, but once the decision is made, filing is easy.

John Orcutt here.  I have been practicing bankruptcy law for over 21 years, and with the help of 4 other experienced attorneys, we have helped well over 20,000 families get the relief those families needed. 

When you want bankruptcy done right, you go to an experienced attorney.  We have that experience.  We are the largest debtor bankruptcy firm in North Carolina, and not by accident.  We pride ourselves in providing good, quality services at reasonable cost, and as a result, we enjoy a steady stream of referrals from satisfied customers.

Myth 10: Only Deadbeats File For Bankruptcy.

NOT TRUE.

Good people, who realize that they have a duty and responsibility to put their families first, file bankruptcy. 

Most of the people who file bankruptcy are good, honest, hard-working people, just like you and me, who file as a last resort after months or years of struggling to pay the bills.  You’re completely wrong in thinking that you’re a deadbeat if you file bankruptcy.  If you need to file, filing bankruptcy is actually one of the most positive, responsible, honorable and noble steps you can take on behalf of your family and your family’s future, happiness and prosperity.

It’s not your fault that you were saddled with overwhelming debt, or you got behind on something as valuable as your house or car, after some life-changing experience, such as a divorce, the loss of a job, a failed business venture, a serious illness, or some family emergency, or because you honestly and mistakenly fell into debt at a young age before you knew better, before you knew anything about budgeting or how to manage money.

Deadbeats are the people who continue to let themselves get crushed by debt year after year, who continue to let creditors use and abuse them, who continue to pay out good, hard-earned money to creditors at the expense of their families, and who continue to just sit back and take it, when there is something they can do about it.

Deadbeats don’t care.  The good, responsible people who file bankruptcy do care.

Myth 11: Even If You File For Bankruptcy, Creditors Will Still Harass You and Your Family.

NOT TRUE.

Nothing could be further from the truth.  

The minute you file bankruptcy, the Bankruptcy Court issues an order telling all of your creditors to leave you alone, or else.

This order has a name.  It is called the "automatic stay", and it is issued pursuant to United States Code 11, Section 362.  The automatic stay prohibits you from any and all collections actions.  After you file bankruptcy, the creditor is not even allowed to talk to you.  In addition, the creditor must stop any collection attempts already started.  The automatic stay is very powerful, and puts the full weight of the United States Courts to work for you, to make sure your creditors leave you alone.

Even better, if a creditor violates the automatic stay, you have the right to bring the creditor before the court for Contempt of Court, and to be compensated accordingly. Believe me, Bankruptcy Court Judges do not take kindly to creditors who ignore the automatic stay, and these Judges have been known to punish creditors severely.  Very simply, once you file for bankruptcy, creditors must leave you alone or suffer the consequences. 

My, how the tables turn, once you reach out for the help that only filing bankruptcy can provide!  No more phone calls.  No more collection letters.  No more lawsuits.  No repossessions.  No foreclosures.  No more threats.  Nothing.  It’s the law. 

Can’t you just feel the relief?

Myth 12: If You File For Bankruptcy, It May Cause More Family Troubles and May Even Lead To Divorce.

NOT TRUE.

The opposite it usually true.

Filing bankruptcy is not the problem. The problem is not being able to pay your bills and not being able to provide for your family. This is what causes the stress and anxiety to build and build.  

All good, honest, hard-working people feel a strong need to pay their bills, and not being able to do so causes them to feel tremendous stress.  Unless you do something to relieve this stress, it can quickly build to the breaking point…divorce.

Bankruptcy is designed to get you out from under the burden of debt, to protect your property, to lower your stress level and to let you…once again…sleep at night.  If your experience is like that of other couples, you will find that filing bankruptcy (and lowering the stress level) can be a crucial first step in bringing the love and caring…not to mention hope…back into your relationship.

Myth 13: You Can't Get Rid of Back Taxes Through Bankruptcy.

NOT TRUE.

We get rid of back taxes for our clients all the time.  

By “taxes”, we mean ‘income’ taxes, and by “old", we mean income taxes more than 3 years old.  Under the law, there are 4 or 5 qualifications that have to be met, but once these are met…in bankruptcy…those taxes are gone.  

Note: Filing bankruptcy does not get rid of ‘withholding’ or ‘sales’ taxes, no matter how old they are.

Myth 14: You Can Only File Once For Bankruptcy Protection.

NOT TRUE.

The truth is, you can file and get a “discharge” under Chapter 7 once every 8 years. As for filing a Chapter 7 after filing and getting a discharge in Chapter 13, the wait is 6 years, computed from one “date of filing” to another.

As for filing a case under Chapter 13 of the Bankruptcy Code, the wait is only 4 years after a prior discharged Chapter 7, or 2 years after a prior discharged Chapter 13 case.

If a prior bankruptcy case was “dismissed” as opposed to “discharged”, there is no required wait time between bankruptcy flings, barring a rare court order to the contrary.

Hopefully, however, filing one bankruptcy will be enough to get your life back.

Myth 15: You Can Pick and Choose Which Debts and Property To List In Your Bankruptcy.

NOT TRUE.

I'm sorry...but you can't. Doing so would be against the law. Under the law...when you file bankruptcy...you have to list all your property and all your debts. Most people want to leave out a debt because it is their intent to keep paying on it. The good news....on this score....is that you can achieve the same goal, even though you have to list the debt. If you want to keep paying on a debt...after bankruptcy....you can. After bankruptcy....you can go back and pay anybody you want. In fact...after you file bankruptcy....there are some debts you have to keep paying on. For instance....if you have a car, truck or house loan....even though you list the debt in your bankruptcy....if you want to keep the car, truck or house....you have to keep paying on the debt. More importantly....you need to know this. As long as you stay current on the loan...and keep the property properly insured....you are protected under the law .... and you get to keep the property....because...under the law...the creditor is stuck with you and can't do anything about it.

Myth 16:You Can't Afford To File Bankruptcy.

NOT TRUE.

Most people think they can't afford to file bankruptcy. They say to themselves: "I can't even pay my bills. How can I afford to pay to file bankruptcy?"

The secret lies in getting your creditors to pay for your bankruptcy. Think about it. If you can get your creditors to pay for it, it doesn't cost you a thing. If it doesn't cost you a thing...you get to file FOR FREE.

People also think that, in having to hire a bankruptcy attorney, that will drive up their "out of pocket" expense and cost them even more money.

Again...not true. The truth is that...where bankruptcy works...it costs you less money...not more. Consider this: "Filing bankruptcy costs LESS...not MORE...or nobody would do it".

The whole idea is get you more benefit for less money, and to leave you with less debt...so you can get your life back. There's a reason that 1.5 millions families filed bankruptcy last year and it wasn't because doing so cost them even more money.

Again...the secret is to get your creditors to pay for your bankruptcy...which also includes the entire cost of your bankruptcy attorney.

So, how do we get your creditors to pay for it?

The answer lies in understanding how the bankruptcy laws work. The bankruptcy laws are powerful and do a lot of things. One of those things is this: Bankruptcy gets rid of certain debts, debts like credit cards, medical bills, personal loans, certain old income taxes, and other unsecured debts*, so you never have to pay those debts...ever again. In fact, bankruptcy is the only thing in the world that actually gets rid of debt...finally, for good and forever. It works like magic..."Now you owe"..."POOF"..."Now you don't"...like as if those debts never existed.

Bankruptcy...so good...you'll think it's ILLEGAL. Bankruptcy...so good...you'll think you have "super powers".

The bankruptcy laws were put in place by Congress. They're legal and designed to give you the fresh start you and your family need. To give you enough of a fresh start, those laws had to be made powerful...real powerful...so powerful you may well think "This can't be legal"...but it is. Perfectly legal. That's just how the bankruptcy laws work and why we say...over and over..."Scammers and others only promise...but bankruptcy actually delivers."

Maybe the easiest way to think about it is this: Congress enacted laws that allow you to basically "rip up" contracts...credit card contracts, medical bill contracts, personal loan contracts, and so on.

And...you know what happens when you "rip up" contracts. When you "rip up" contracts...those debts are gone...like as if they never existed.

And...with those debts gone, you don't have to pay them. Not having to pay them, those payments are "freed up". You can then use this "freed up" money to pay for your bankruptcy. Thank you...Bankruptcy Laws.

When we say that you are getting your creditors to pay for your bankruptcy, we mean it. With their debts gone, you can stop paying them, and then, you can use the money you save..."the creditor's money"... to pay for your bankruptcy.

It's the same thing when we say that "Most of our clients get to file bankruptcy FOR FREE". When your don't have to pay certain creditors, you can use their money for other things, like paying for your bankruptcy. The bottom line is that if you are like most of our clients, filing bankruptcy, in effect, forces your creditors to pay for it.
And that makes it FREE for you. So...I'll ask again: "Can you afford FREE?" You may even want to send your creditors a thank you note.

And better than that, the total cost of filing is way less than the total amount of money you save in never having to pay those debts again. We call this "blowback cash". All that money that you don't have to pay...ever again...just comes "blowing back" to you. You use some of it to pay for your bankruptcy...and the rest...it goes right back into your pocket to help pay for the "fresh start" you need and deserve. And...getting you a "fresh start" is what filing bankrutpcy is all about.

You can afford to file bankruptcy.

* Assumes no equity above exemptions, no disposable monthly income, and no non-filing co-signers, as those terms are defined under the U.S. Bankruptcy Code.

What if everything you’ve ever been told about bankruptcy is a wrong?

What if everything you have come to believe about bankruptcy is wrong?

Would you want to know? 

What if filing bankruptcy is the absolute best thing in the world for you, your family, your future happiness and your future prosperity? 

Wouldn’t you want to know? 

It's no secret that our U.S. economy is in serious trouble.

What if filing bankruptcy is the only thing that is going to save you and your family when the economic "storm" hits, and hits hard?

Wouldn’t it be a shame if you didn’t find out the truth; and because you didn’t find out the truth, you never filed bankruptcy, and because you never filed bankruptcy, your family had to suffer for it…year in…year out?

All of us…every single one of us…make decisions, all day, every day, based on what we believe.  Think about it. Every decision we make…from the moment we get up, to the moment we lie back down…to do this, to not do that, to go here, to not go there, to like this, to not like that, etc., etc., is based on what we believe to be true about the world around us and how it works.  

What if the beliefs upon which we base our decisions are not true? 

The answer is: We will make a lot of costly and harmful decisions.

The problem is that when we really believe in something, for us, it not just a belief. We think it’s the truth. It’s the truth. And, based on what we believe to be true, we make all our life decisions, big or small, today, tomorrow, the next day, and forever.   

For us, what we believe to be true is what life is all about.  What we believe to be true is how we understand life and the world around us.  It’s what our life is based on; and, it follows, our beliefs serve as the foundation for all our decisions.  It’s just the way it is. 

If we ‘believe’ that some-thing or some-action is bad or wrong or will be harmful, we do our best to avoid it.  If we ‘believe’ some thing or some action is good or right or helpful, we will be drawn to it and choose it.   That’s just the way life is for us as human beings.  We make choices based on what we believe. 

For example, if we believe a type of food is good for us, likely you will eat it.  If we believe a type of food is bad for us, that eating it will give us cancer, for example, we will either not eat it or at least feel bad about eating it.   

We engage in the thinking process all the time, on all levels, all day long.  It’s like we are on automatic. We choose what to do, how to act, what to eat, who to hang out with, where to go, what our goals are, etc., etc., based on what we believe to be true. 

The problem comes when…as it turns out…some thing we believe to be TRUE turns out to be NOT TRUE. 

And that’s where myths come in.   

A myth nothing more than a belief that is NOT TRUE.    

Myths are a terrible thing.  Myths are terrible because of the harm they cause. Myths cause harm because they give us wrong information about how things in life really work and what those things really mean.  This bad information about life forces us to make bad decisions.  Bad decisions leave us with bad results.  Bad results lock us into bad situations.  Being stuck in bad situations steals the goodness out of life. 

The result: A bad outcome, a crappy life, a loss of happiness and future prosperity…all based on a beliefs that weren’t true in the first place.

The really, really, horrible thing about myths is how powerful they are.   

Remember, we all make decisions based upon what we believe and when we believe in something, we ‘know’ it to be true, whether it is or not, and once we ‘know’ something to be true, we don’t question it at all.  We believe it is true, and that’s it.   

That’s the problem with myths.  By definition, they are NOT true...they are lies...but because we think they are true, we act on them, and make decisions based on them, without question.  As a result, good people make bad life decisions, and suffer the consequences.  How horrible! 

Making sure you have the TRUTH is what the following information is all about. 

It just makes me sick to see good, hard-working people make bad life decisions based on false information.  It makes me even sicker to hear about creditors who feed off these myths to keep good, honest, hard-working people, just like you, locked in debt and the pain and pressure that comes with it, stealing from you and your family the future happiness and prosperity you would surely have and rightly deserve. 

I’m tired of seeing creditors using myths about bankruptcy to take advantage of people.  Somebody has to stop it, and that somebody is me. 

The first step is to bust through to the truth behind the myths. 

Busting through to the truth behind the myths takes away the power of the myth as one of your guiding beliefs.  Then, with the truth in hand, you can make better decision.  Better decisions makes for better results.  Better results makes for a better life. 

Maybe filing bankruptcy is right for you. Maybe not.   

But, you will never know if you just keep on falling prey to the garbage information you have always been told about bankruptcy, if you keep falling prey to the many myths about bankruptcy.  

Myths about bankruptcy keep you locked in debt.                

Myths about bankruptcy are your creditor’s best friend. As long as you go on believing all the crap you have heard about bankruptcy and how bad it supposedly is, your creditors know they can continue, with no fear, to pound away at you. 

Your creditors know that if you believe these myths, you won’t even consider filing bankruptcy. If you won’t even consider bankruptcy, you won’t ever make an appointment to find out how bankruptcy really works and how much good it can do for your family, how it can get you out of debt and unlock your future, how it can put creditors under control, how it can protect you car, home and other property, and how it can give you and your family the “fresh start” and “second chance” you deserve. 

The truth is that…if you can’t pay all your bills or if you can’t get your creditors under control…and you don’t file bankruptcy, you’re probably ...for lack of a better term...screwed…whether you realize it or not.  You can’t spend money you don’t have.  

The truth is that…if you can’t pay all your bills and you can’t get your creditors under control, filing bankruptcy may be…quite literally…the answer to your prayers. 

That’s right…no exaggeration…the answer to your prayers.   

Your creditors do NOT want you to read this.   

Your creditors know they are better off if they keep you in the dark.  If your creditors can keep you in the dark...if they can keep you believing the lies...they can keep you and your family chained in debt.  If they can keep you ‘believing’ that you have no choice, that filing bankruptcy is not a solution and that bankruptcy is ‘bad’ or ‘evil’ or ‘dishonest’, that filing bankruptcy won’t really help or that you will still owe the debts afterward, then they can keep you paying, paying, paying…month in, month out...year in, year out...for the rest of your life.   

You deserve better, but it all starts with finding out the truth about bankruptcy. 

The bottom line is this: You know all those bad things you've always heard about bankruptcy?  Most of it is simply NOT TRUE.

 You know all those bad things you've always heard about bankruptcy?  Most of it is simply NOT TRUE.

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