Bankruptcy

The concept of bankruptcy is to give an individual (known as a debtor) or a married couple (known as joint debtors) a new start. Get rid of the creditors and start fresh. Of course, that's over simplified but it the general idea. The problem is that the bankruptcy does not get rid of all debts. Generally student loans are not dischargeable. There are exceptions, but for the most part you are still responsible for the student loans. IRS and State tax are also not dischargeable. Most people use bankruptcy to get rid of credit card debt, medical expenses, repossessions in which money is still owed, and other bills. For this, bankruptcy works. However, it's not a given. There are numerous forms that must be filled out. In Florida those forms are generally filled out electronically or through a computer. If you represent yourself, pro se (without the help of an attorney) then you can use the paper form. If you have questions with the forms it may be a good idea to seek the help of an attorney. Usually it is not too difficult, but it is a lot easier with the help of an attorney to help guide you and make sure everything is done accurately and correctly.