Debtor Resources
Welcome to our debtor resources page. This is where you can find downloadable reports and other useful documents as well as links
to helpful websites.
Reports & Other Useful Documents
Approved Credit Counseling Agencies for Sacramento Area Residents
Taking a class from an approved credit counseling agency is required before you file for bankruptcy. This is an easy process;
you’ll get a certificate of completion to forward to us once you finish the course. This document lists agencies used by
debtors who live in the Sacramento Area.
View Document »
Answers to Common Bankruptcy Questions
This report answers some of the most common questions about bankruptcy, including: What is bankruptcy? What can it do for you?
What does bankruptcy not do? What are the different types of bankruptcies? What does it cost to file? What property can you keep
after bankruptcy? What happens to your home and your car after bankruptcy? Can you own anything after bankruptcy? Will it wipe out
all of your debts? Will you have to go to court? Can you file without an attorney? What else do you need to know?
View Document »
Your Legal Rights During and After Bankruptcy: Making the Most of Your Bankruptcy Discharge
This report covers some of the most important questions about your rights during and after bankruptcy, including: How long will a
bankruptcy stay on your credit report? What debts will you still owe after bankruptcy? Will you still owe secured debts (like
mortgages and car loans) after bankruptcy? What is reaffirmation? Do you have to reaffirm debts? Can you change your mind after you
reaffirm a debt? Do you have to reaffirm debt on the same terms as the original loan? Should you reaffirm? Do you have other options
for secured debts? Do you have to reaffirm car loans or home mortgages? What about credit cards and department store cards?
View Document »
Using Credit Wisely After Bankruptcy
This report will help you make smart decisions about credit after you get your fresh start in bankruptcy. It also identifies various
scams directed at those who have just gone through bankruptcy.
View Document »
Helpful Links
Our Main Website
Bankruptcy Court Information
Bankruptcy Organizations
Consumer Organizations
Credit Reports
Internal Revenue Service
United States Trustee Program
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