FAQ

WHERE IS THE BANKRUPTCY COURT LOCATED?

The U.S. Bankruptcy Court for Northwest Arkansas is located at 35 E. Mountain Street, Fayetteville, AR, just off the downtown Fayetteville Square.

CAN I FILE MY BANKRUPTCY IN BENTON COUNTY  OR MADISON COUNTY INSTEAD?

No, All bankruptcies in this Northwest Arkansas area need to be filed  in the Fayetteville AR Division of the Bankruptcy Court.

WHAT LANGUAGES ARE SPOKEN IN THE OFFICE?

Translators are available for Spanish, Marshallese and Laotian languages.  Se habla espanol.

HOW OFTEN WILL I HAVE TO APPEAR AT THE BANKRUPTCY COURT IN FAYETTEVILLE?

In most cases you will only appear once and you will be accompanied by a bankruptcy lawyer from the Hertzberg Law Firm of Arkansas, P.A.

 WILL I HAVE TO APPEAR BEFORE A JUDGE ?

98.5% of the cases are handled sucessfully without seeing a judge.

 WHAT DOES IT COST TO FILE BANKRUPTCY?

The filing fee for a Chapter 7 bankruptcy is $335 and the filing fee for a Chapter 13 bankruptcy is $310 which are paid to the bankruptcy clerk at the Fayetteville Bankruptcy court office.

The Hertzberg Law Firm of Arkansas, P.A. attempts to provide low cost bankruptcy lawyer representation and an attorny’s fee will be quoted at the free initial consultation. The fee can be paid a little at a time.

 DO I HAVE TO RECEIVE CREDIT COUNSELING BEFORE I FILE BANKRUPTCY?

Yes, but be careful. Reputable credit counseling is different than debt consolidation services. Debt consolidation services are very expensive and very rarely help anyone. Credit counseling should be no more than $50. Credit counseling services approved by the bankruptcy court exist in Benton County  AR, Springdale AR and Fayetteville AR. Most people  prefer to take the class online which will cost as little as $10.

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What does it Cost to File Bankruptcy ?

The Hertzberg Law Firm of Arkansas, P.A. attempts to provide low cost bankruptcy lawyer representation and an attorney’s fee will be quoted at the free initial consultation. The fee can be paid a little at a time.

The filing fee for a Chapter 7 bankruptcy is $335 and the filing fee for a Chapter 13 bankruptcy is $310 which are paid to the bankruptcy clerk at the Fayetteville Bankruptcy court office.

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Is it Against the Law for a Creditor to Robo-Call Me ?

Yes it is unlawful.  With a few limited exceptions, no one can place an auto-dialed or pre-recorded phone call to your cell phone. Debt collectors routinely break this law.  Your damages are $500 per robo-call made.

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Can A Bankruptcy Filing Halt A Foreclosure?

Yes, either a Chapter 7 or a Chapter 13 bankruptcy filing will stop a pending foreclosure. A Chapter 13 bankruptcy filing can force the lender to allow you to keep your home.

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Can a Bankruptcy Filing Stop a Garnishment?

Yes, filing a bankruptcy gives a citizen the strong and automatic protection of the US bankruptcy court which will keep creditors from garnishing wages and bank accounts.

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Can a Chapter 13 payment be Less than my Car Payments alone ?

Yes. because under some circumstances the terms of the car loan can be completely rewritten in a Chapter 13 bankruptcy.

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Will A Bankruptcy Filing Ruin My Credit Score?

In many cases the bankruptcy fiiling will allow a person to “clean-up” many negative items on their  credit report.