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But since bankruptcy wipes out your old debts, you are likely to be in a better position to pay your current bills, and you may be able to get new credit. If these options do not work you can get secured credit card which is backed by your own bank account. However, the utility can require a deposit for future service and you do have to pay bills which arise after your bankruptcy is filed. Can I Be Discriminated Against For Filing Bankruptcy? Once a creditor or bill collector becomes aware of a filing for bankruptcy protection, it must immediately stop all collection efforts.After you file the bankruptcy petition, the court mails a notice to all the creditors listed in your bankruptcy schedules. Creditors will also stop calling if you inform them that you filed the bankruptcy petition, and supply them with your case number.There are several ways that you can keep collateral or mortgaged property after you file bankruptcy.
In a chapter 13 case, you can keep all of your property if your plan meets the requirements of the bankruptcy law.If you put up your household goods as collateral for a loan (other than a loan to purchase the goods), you can usually keep your property without making any more payments on that debt. You can also keep any property covered by Iowa bankruptcy exemptions through the bankruptcy. If you need to go to court, you will receive notice of the court date and time from the court and/or from your attorney. Bankruptcy will probably not make things any worse. While technically not a credit card you could use a bank or debit card to perform activities for which you normally would use a credit card. (see Iowa bankruptcy exemptions) In some cases where only one spouse has debts, or one spouse has debts that are not dischargeable then it might be advisable to have only one spouse file.To find the location of the court that serves your area visit the Iowa Federal Bankruptcy Court Directory page. The fact that you’ve filed a bankruptcy can appear on your credit record for ten years. You also may be able to keep the credit card you already have if the creditor grants approval. Public utilities, such as the electric company, cannot refuse or cut off service because you have filed for bankruptcy. If the spouses have joint debts, the fact that one spouse discharged the debt may show on the other spouses credit report. How long after filing will the creditors stop calling?In determining whether property is exempt, you must keep a few things in mind.The value of property is not the amount you paid for it, but what it is worth now.