The USA government federal law allows people struggling with debt to seek relief. Often, relief comes in the form of bankruptcy. Filing for bankruptcy does not necessarily mean that the debtor will lose everything he owns. Debtors in Alaska may well protect as much as $54,000 in equity to save their home, for instance. Other exemptions for protecting your car, furniture or other assets are also available. Debtors living in Anchorage have to file their petition in the U.S. Bankruptcy Court for the District of Alaska.
Visit an approved credit score counseling session. Federal law requires debtors to accomplish a session at least six months prior to filing bankruptcy. Based on the U.S. Justice Department, the Customer Credit score Counseling Service of Alaska is an approved agency. Contact them at: Customer Credit score Counseling Service of Alaska, 208 E. 4th Ave., Anchorage, AK 99501, 907-279-6501
Investigate the type of bankruptcy you have to file. Your credit score counseling session must provide info to aid decide. Well-known forms include Chapter 7 and Chapter 13. Under Chapter 7, your assets will be sold and the proceeds employed to pay your creditors. Having a Chapter 13 bankruptcy, you'll come up having a repayment plan to pay off your creditors.
Get all the required bankruptcy forms. Use the bankruptcy checklist accessible in the U.S. Courts. Download and print the forms in the U.S. Courts website. You are able to also visit the bankruptcy court in Anchorage and ask for the forms.
Fill out these forms completely. The forms are standardized and ask you to write specific info in the lines and boxes provided. Make sure you offer info about your income, assets, debts, creditors and monthly expenses.
Go and file the forms of the bankruptcy court clerk in Anchorage. Include the needed filing fee ($299 for Chapter 7 as of 2010; $274 for Chapter 13 as of 2010). You are able to send or hand deliver the forms to: U.S. Bankruptcy Court for the District of Alaska, 605 W. 4th Ave, Ste. 138, Anchorage, AK 99501,
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