How Utilities and Bankruptcy Interact

">Under 11 USC section 366,

"...a utility may not alter, refuse, or discontinue service to, or discriminate against, the trustee or the debtor solely on the basis of the commencement of a case..."

As the weather changes and it often comes up in discussions, can a utility company discontinue service after a case has been filed. Generally no, unless certain points are met under Section 366. 

A typical method, is a security deposit, after the case is filed, which will provide adequate protection to the utility company. 

Don't be caught off guard this time of year, with the onset of freezing temperatures, you could easily be left in the cold. 

For a free comprehensive consultation, call today, 313-343-9930. 

7 Things Chapter 13 Can Do

Chapter 13 is a very powerful and useful chapter that can accomplish many things. Here are 7 things that you can get in a chapter 13 that you will not get anywhere else.

• You can change or modify your automobile contract.
• You can strip or remove second and third mortgage from your home
• You can pay your tax debt interest and penalty free*
• You can pay pennies on the dollar to your unsecured debt
• You can get caught up on your mortgage arrears and stop foreclosure
• You can enter into a permanent loan modification with your mortgage
• You may be able to eliminate certain student loan debt, or reduce it

Unlike Chapter 7, which will not help you with any of the above mentioned things, a Chapter 13 will give you many more options to choose from. While Chapter 7 is quite powerful, it is limited in certain ways. 

These are a few of the many benefits of Chapter 13, for a free confidential consultation, call me today at 313-343-9930. 

*tax debt and bankruptcy are very complicated and have restrictions, not all tax debt is subject to discharge, and no information here should be construed as tax advice. The tax laws and how they interact with bankruptcy are complex and require a full and comprehensive review before any course of action is advised.