You should have no problems getting any type of utility in your name. Just call and sign up.
Be prepared for security deposits though. (Which is not because of the bankruptcy)
The easiest thing to do is get pay as you go or prepaid phone service. Often times you can do this with both cell phones and with VOIP phone service. Then you can have the service without paying huge deposits.
Credit card debt consolidation with the help of an accountant or a debt consolidation service and careful management of income can be helpful steps in reducing your credit card debt without declaring bankruptcy.
yes
When one is declaring bankruptcy, they should use a lawyer familiar with bankruptcy. There are different types of bankruptcy to consider, such as liquidation or cancelling your debts, or reorganizing for wage earners who can still make debt payments.
No, the only mention of bankruptcy is that Congress shall have the power to enforce uniform bankruptcy laws.
In the US, a bankruptcy is petitioned and decided in a Federal Court. It is not done with a letter.
In order to claim bankruptcy a court has to issue a bankruptcy order against you. The best place to find information about bankruptcy and the whole process of declaring bankruptcy is the official government website.
Check with the requirements and possible consequences when you proceed to use an insolvency service, because it does not provide you with the option to resolve the actual financial issues, but merely to prepare declaring bankruptcy. You should be aware of the implications resulting from using it.
No, you cannot file my cell phone bill in a bankruptcy. However, you can file YOUR cell phone bill in a bankruptcy.
You can receive a car loan after declaring bankruptcy by applying to any bank that offers the option. However you might have to rebuild your credit score first, or just have a co-signer with amazing credit.
One can learn about their options for getting a mortgage loan after declaring bankruptcy by visiting the websites of businesses that offer mortgages. Generally, one cannot obtain any kind of mortgage for at least two years after declaring bankruptcy, but some companies may make an exception.
Declaring bankruptcy can be a very scary thing - luckily there is a lot of help available. Online you can visit www.bankruptcyaction.com/questions.htm
While registered pension plans [RPPs] are exempt from seizure in bankruptcy situations, most Registered Retirement Savings Plans [RRSPs] are not.