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If you call me and ask if you “qualify” to file bankruptcy, one of the first questions I’ll ask is:  “Have you ever filed for bankruptcy in the past?”  How you answer that question is the first step in determining whether you will be able to receive a discharge if you file for bankruptcy now. […]

Back in 2005, Congress made some dramatic (some would say terrible) changes to the Bankruptcy Law. There was quite a bit of news coverage about the changes and how they would make it harder for people to file bankruptcy. Most of the news coverage was pretty superficial, leaving many people with the impression that, effective October […]