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Top 15 Bankruptcy Myths

Myth 1:

Everyone will know you have filed for bankruptcy.

Myth 2:

You will lose everything you have.

Myth 3:

You will never be able to own anything again.

Myth 4:

You will never get credit again.

Myth 5:

Filing bankruptcy will hurt your credit for 10 years.

Myth 6:

If you're married...both you and your spouse have to file for bankruptcy.

Myth 7:

It's really hard to file for bankruptcy.

Myth 8:

Only deadbeats file for bankruptcy.

Myth 9:

Filing bankruptcy means you're a bad person.

Myth 10:

Filing for bankruptcy will hurt your credit.

Myth 11:

Even if you file for bankruptcy, creditors will still harass you and your family.

Myth 12:

If you file for bankruptcy, it may cause more family troubles and may even lead to divorce.

Myth 13:

You can't get rid of back taxes through bankruptcy.

Myth 14:

You can only file once for bankruptcy protection.

Myth 15:

You can pick and choose which debts and property to list in your bankruptcy.

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JOSHUA HILLIN

Biography:

Degrees:

Bachelor of Arts degree in history from Mary Washington College, 1998.
Juris Doctor degree from the Ohio State University College of Law, 2001.

Admission to Practice of Law:

North Carolina State Bar, 2001.
Federal District Courts for the Eastern and Middle Districts of North Carolina, 2003.

Areas of Practice:

Practice limited to consumer and business debtor bankruptcy law, 2003 to present.

Memberships:

National Association of Consumer Bankruptcy Attorneys.