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The Law Firms advertised on MyBankruptcyTeam.com and their attorneys act as a “debt relief agent.” Services provided include, but or not limited to, “bankruptcy assistance.”
As a debt relief agent, we are prohibited from advising a potentially assisted person to incur debt in connection with the filing of a bankruptcy case.
You are a potentially an “assisted person.”
If you decide to seek bankruptcy relief, you can represent yourself, you can hire an attorney to represent you, or you can get help in some localities from a bankruptcy petition preparer who is not an attorney.”
 A “debt relief agent” is defined as “any person who provides “bankruptcy assistance” to an “assisted person” in return for the payment of money or other valuable consideration, or who is a bankruptcy petition preparer. 11 U.S.C. 101(12A)
 “Bankruptcy assistance,” is defined as including any services provided to an assisted person “with the express or implied purpose of providing information, advice, counsel, document preparation, or filing, or attendance at a creditor’s meeting or appearing in a case or proceeding on behalf of another or providing legal representation with respect to a case or proceeding under this title.” 11 U.S.C. 101(4), (A).
 An “assisted person” is defined as any person whose debts consist primarily of consumer debts and the value of whose nonexempt property is less than $150,000.00. 11 U.S.C.101(3).
 11 U.S.C. 527(b)
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Find out what property you can keep and still discharge your debts. You'll be surprised, most debtors lose nothing at all.
The very moment your bankruptcy case is filed, creditors are frozen. They cannot take any collection action against you.
While most of your debt will be discharged in bankruptcy, it is important to know that certain types of debt cannot be discharged and must eventually be repaid.
Generally, if you earn more than the state median income for your household size, you can't file Chapter 7. Find out how we can help you qualify.
In both Chapter 7 and 13, you will have the option to keep your vehicle loans and mortgages. There are certain limitations, but generally, if you can afford to stay in the loans, you have the option to do so.
Because of the automatic automatic stay, we can stop creditors. If we file before your payday, the garnishment money is yours. If we file before a repo, you may keep the car.