Many people we talk to are worried that someone will find out that they filed a bankruptcy.
The fact is that unless you’re rich and famous, the only people that will likely know that you filed for bankruptcy likely be your creditors and people that you might choose to tell yourself.
Although the bankruptcy itself is a matter of public record, it’s not an easy to access public record.
You can’t simply go online and Google up somebody’s bankruptcy information.
Most people would actually have to visit the bankruptcy court and look on the court clerk’s computer to find out who filed for bankruptcy.
No newspapers locally that I am aware of publish information about normal consumers who file for bankruptcy.
Bankruptcy is nothing to be ashamed of.
The fact of the matter is that you probably know lots of people who have filed for bankruptcy.
Most of the people that I’ve talked to tell me that they think no less of people who file bankruptcy simply for that reason.
And in fact they would even encourage others to file bankruptcy if that was what’s right for them.
In chapter 7 cases, your employer is not notified when you file bankruptcy, unless your employer happens to also be a creditor of yours, which is normally not the case.
And in Chapter 13 cases, although usually plan payments are usually made by payroll deduction, this is not always the case
sometimes there’s a good reason not to have a Chapter 13 plan payment taken directly out of the paycheck.
Sometimes the trustee will permit plan payments to be made by a bank account withdrawal, and sometimes payments are sent directly to the trustee.
The fact that you will have filed a bankruptcy is not something that’s likely to be widely known in the community.
Most of us are just plain not newsworthy, thank goodness.
We’ve had people who live next door to each other and filed bankruptcy at about the same time and never do the other one filed.
So if you choose to keep this information to yourself it’s very unlikely that anyone will ever find out.
But if they do, filing bankruptcy is certainly nothing to be ashamed of
In fact, if you’re doing the right thing for yourself and your family you should actually proud of yourself,
Your are doing something that is difficult but necessary for your financial well-being.
A friend of mine told me West & Hurley really knew their stuff about bankruptcy and that is why I chose them to represent me. Everyone treated me with dignity. They didn't make me feel any less of myself for filing bankruptcy. They treated me as a valued client. Whenever I had a question, the secretaries were eager to help me. I always felt satisfied and more knowledgeable in my particular situation at the end of the conversation. I think very highly of all the people at West & Hurley and would recommend their services.Diane Parthe
Me and my wife went though bankruptcy, it's been 6 months and we have a credit card and a 2012 bought new GMC truck. Richard West and Associates did an excellent job helping us file, and help us get our credit back on track. Our paralegal Lisa, did an excellet job helping us with our paperwork. We highly recomend filing with them, we had tried with a different firm, and they didn't help us in the same way, we are happy we had their help and expertise getting us back on track.Janie Wright
My wife and I filled for bankruptcy in 2008 with the help of West & Associates. Mr. West told us in our initial consultation that if we followed his advice and stuck to a plan we could rebuild our credit to a better state than it was before we filled. Though skeptical my wife and I worked hard on things like paying bills on time or early and building our credit little by little. By doing things like this and learning from past mistakes we were able to pay off our bankruptcy a year early and raised our credit score to just under 700 points. That is a 200 point difference from our score prior to getting help from West & Associates. We were also able to buy a new car 6 months after discharge with a very low interest rate. So when people tell you that filling will ruin your credit forever it just isn't true.Sherman Thatcher
I would like to thank the West & Hurley team for their hard work. They did an excellent job and were very professional. The staff was friendly and helpful. I will recommend West & Hurley to my friends.Christina Anglin
It was simply an easy process. They made absolutely sure I fully understood all of my choices. It was vital to me how they wasn't trying to sell bankruptcy since they also told me about other options like credit counseling as well as others. I felt like these people were taking care of My personal best interest...not just trying to find yet another client. I recommend them.A Google User