If I apply for bankruptcy, will it affect my Social Security Income and will it eliminate all my unsecured debts? 29 Answers as of November 09, 2012

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The Law Office of Darren Aronow, PC
The Law Office of Darren Aronow, PC | Darren Aronow
It will not affect your social security income and it will wipe out your credit card debt.
Answer Applies to: New York
Replied: 11/9/2012
Kenneth A. Parker, P.C.
Kenneth A. Parker, P.C. | Ken Parker
It will not affect your Social Security and will most likely eliminate all of your unsecured debt. Call a Bankruptcy Attorney to get more details about your situation.
Answer Applies to: Georgia
Replied: 11/7/2012
The Smalley Law Firm, LLC | Cary Smalley
Bankruptcy will not effect your social security income and will discharge most, if not all, unsecured debts. I suggest you consult with an attorney to discuss the specific details of your situation.
Answer Applies to: Kansas
Replied: 11/5/2012
Philip R. Boardman, Attorney at Law
Philip R. Boardman, Attorney at Law | Phil Boardman
No, it will not affect your social security income. And yes, it will eliminate your unsecured debts except for student loans, some taxes, support arrears and a few other ones. Credit cards, judgments, medical bills are all discharged.
Answer Applies to: Virginia
Replied: 11/2/2012
David J. Hutchinson Law Office
David J. Hutchinson Law Office | David J. Hutchinson
It probably will not affect your Social Security payments and should eliminate most, if not all, of your unsecured debts, but you should talk to a good bankruptcy lawyer about your specific facts to be sure.
Answer Applies to: Michigan
Replied: 11/2/2012
    Law Office of D.L. Drain, P.A.
    Law Office of D.L. Drain, P.A. | Diane L. Drain
    No, it will not affect your social security. Yes, it will take care of your credit cards debts so long as you did not incur these debts on the eve of bankruptcy. Please understand that filing for bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step. Most Arizona bankruptcy attorneys offer a free consultation about the basics of bankruptcy.
    Answer Applies to: Arizona
    Replied: 11/2/2012
    Law Offices of A. J. Mitchell, LLC
    Law Offices of A. J. Mitchell, LLC | A. J. Mitchell
    No, it will not affect your Social Security income; If you file a Chapter 7, all of your unsecured debt will be wiped away with the exception of child support, alimony, student loans (in some cases), and taxes.
    Answer Applies to: Georgia
    Replied: 11/2/2012
    Bird & VanDyke, Inc.
    Bird & VanDyke, Inc. | David VanDyke
    Filing for bankruptcy will in no way effect your social security. I have many clients that have filed bankruptcy to discharge their credit card and other unsecured debt and are very happy with their fresh start. People on a fixed income have been especially hard hit by the economy and have been forced to use credit cards to supplement their income when an emergency strikes. Once their credit card balances go beyond the point of no return their are simply very few choices for people on social security other than bankruptcy.
    Answer Applies to: California
    Replied: 11/2/2012
    Law Office of Christian F. Paul
    Law Office of Christian F. Paul | Christian F. Paul
    Filing a bankruptcy petition won't change your income, but you'll have to list all sources of income on your petition. Ordinary Chapter 7 bankruptcy aims to discharge (eliminate) most debts, to give the honest debtor a fresh start. The amount of debt you have and your assets and income will obviously play a part in determining whether you qualify to have your debts discharged. You should make an appointment to speak with a bankruptcy attorney many offer a half-hour free consultation and get his or her evaluation. Take your last two tax returns, last two pay stubs and other proof of income, latest statements or invoices for all your debts, car registration, house deed, and a recent free credit report, along with a list of your usual monthly expenses (food, rent or mortgage, car payment, etc.). These things will allow the attorney to quickly size up your situation and advise you whether you can be helped by bankruptcy, how much it will cost, etc. And it's okay to visit more than one attorney to make sure you get the full scoop. Good luck to you.
    Answer Applies to: California
    Replied: 11/2/2012
    Law Offices of J. L. Haddock, PLLC
    Law Offices of J. L. Haddock, PLLC | Jared L. Haddock
    It will not affect your social security income. Chapter 7 will eliminate most unsecured debts with a few exceptions (some tax debts, student loans, etc.). I and most other attorneys offer free initial consultations for people contemplating bankruptcy.
    Answer Applies to: Michigan
    Replied: 11/2/2012
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    Bankruptcy has no effect on any rights to income, and would eliminate all dischargeable unsecured debts.
    Answer Applies to: California
    Replied: 11/2/2012
    A Fresh Start
    A Fresh Start | Dorothy G Bunce
    Bankruptcy will not affect your social security income, but there is no guarantee it can eliminate all unsecured debts. For example, student loans are unsecured debts that cannot be eliminated through bankruptcy. Debts relating to criminal or criminal like offenses, such as a DUI motor vehicle accident, also are unsecured debts that can't be eliminated through bankruptcy. And for those who run up their credit cards and file bankruptcy within 6 months of making the charges, well, you may not be able to eliminate these debts in bankruptcy either.
    Answer Applies to: Nevada
    Replied: 11/2/2012
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    No and yes..... Your social security can not be touched by anyone.
    Answer Applies to: California
    Replied: 11/2/2012
    Dan Wilson Bankruptcy
    Dan Wilson Bankruptcy | Dan Wilson
    BK will not affect your SS benefits. Most unsecured (and secured) debts will be discharged. The big exception is student loans, which are generally not dischargeable.
    Answer Applies to: Colorado
    Replied: 11/2/2012
    Attorney At Law | Harry D. Roth
    Yes, it will eliminate all your unsecured debts (except most taxes, student loans and child support) and no, it will not impact your Social Security.
    Answer Applies to: California
    Replied: 11/2/2012
    Law Offices of Joseph A. Mannis
    Law Offices of Joseph A. Mannis | Todd Mannis
    It won't affect your social security and with certain exceptions (taxes, student loans) it will eliminate all of your unsecured debt.
    Answer Applies to: California
    Replied: 11/2/2012
    Musilli Brennan Associates PLLC
    Musilli Brennan Associates PLLC | John F Brennan
    No, on the social security generally. As for the discharge, details are necessary before a prediction is made. Normally today, if there is any ability to pay, it is a chapter 13 with a five year court imposed payment program.
    Answer Applies to: Michigan
    Replied: 11/2/2012
    Attorney at Law | David Holbrook
    You get to keep your SS income and get rid of your unsecured debt.
    Answer Applies to: Georgia
    Replied: 11/2/2012
    CARL C SILVER ATTORNEY AT LAW
    CARL C SILVER ATTORNEY AT LAW | Carl C Silver
    Filing for bankruptcy will have no effect on your social security income. It will discharge or eliminate all of your unsecured debts.
    Answer Applies to: Michigan
    Replied: 11/2/2012
    Law Offices of Terrell Monks
    Law Offices of Terrell Monks | Terrell Monks
    Bankruptcy has no effect on Social Security income or eligibility. If you qualify for a Chapter 7 and file successfully, your liability for unsecured debts is discharged, subject to certain exceptions (that do not apply to most people).
    Answer Applies to: Oklahoma
    Replied: 11/2/2012
    Graves Law Firm
    Graves Law Firm | Steve Graves
    Bankruptcy should not affect your Social Security income. If you qualify, and you probably do, you can wipe out your unsecured debt.? You'll have to give up any non-exempt property, but you probably don't have any non-exempt property to lose.
    Answer Applies to: Texas
    Replied: 11/2/2012
    Pitt, Hay, and Hugenschmidt
    Pitt, Hay, and Hugenschmidt | Edward C Hay
    It will not affect your Social Security and it will eliminate all of your unsecured debts, in most cases.
    Answer Applies to: North Carolina
    Replied: 11/2/2012
    LAW OFFICE OF MARGARET L. EVANS, PC
    LAW OFFICE OF MARGARET L. EVANS, PC | Margaret L. Evans
    It will NOT affect your social security income; it can help eliminate your unsecured debt, PROVIDED, HOWEVER, that the unsecured debt is credit card bills, medical expenses and other non-priority unsecured creditors. Taxes and domestic support obligations (alimony or child support) are not discharged.
    Answer Applies to: South Carolina
    Replied: 11/2/2012
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