Welcome to our website!  Our law office has practiced virtually exclusively in
the area of bankruptcy since 1997, serving all of south-central Indiana.  
are dedicated to helping honest people get a fresh start.

Joe Ross is a member of the American Bankruptcy Institute, Indiana Bar
Association Bankruptcy Law Section, American Bar Association Business Law
Section, Commercial Law League of America, and the National Association of
Consumer Bankruptcy Attorneys.

Joe Ross has also earned an
AV® Preeminent™ Peer Review Rating from
Martindale-Hubbell, the highest rating available, which is an objective
investigation into a lawyer's ethical standards and professional ability as
evaluated by other lawyers and judges.

The purpose of this website is to provide general information regarding
bankruptcy law as well as to describe the services our office provides.  The
purpose of this website is
not to provide "bankruptcy assistance" as that term
is defined in 11 U.S.C. 101(4A) but rather to provide free-of-charge access to
copyrighted materials about bankruptcy to help people find answers to
questions they may have.

Please refer to the links on the upper left for the specific information you are
looking for, and please keep in mind that the information contained in this
website shall be used solely for informational purposes and nothing herein
shall be deemed to constitute legal advice (see the “
Legal Disclaimer” link for
more details).  Since local rules and laws change from time to time, we cannot
and do not make any warranties regarding the accuracy of the information
contained in this website, but we have made every effort to provide a useful
and thorough source of information for persons interested in learning more
about bankruptcy law.

We provide FREE, no-obligation, confidential consultations in our Bloomington,
Indiana office.  If you have questions about bankruptcy and you live in
southern Indiana, please contact our office at (812) 339-3440 to arrange your

We hope this site is helpful to you.  Please feel free to email us at the email
address at the top of this page if you have any suggestions or comments.  
(PLEASE NOTE: The use of the Internet for communications with our office will
not establish an attorney-client relationship and messages containing
confidential or time-sensitive information should not be sent).

Copyright © by Joseph A. Ross.  All rights reserved.

This website is designed to provide general information only.  The information
presented in this site should not be construed to be formal legal advice nor the
formation of an attorney-client relationship.  Persons accessing this website
are encouraged to seek independent legal counsel for guidance regarding
their individual circumstances.

*For CM/ECF Court Notification/Service of Process for bankruptcy filings,
please serve our office at:

Advertising Material
Bloomington (812) 339-3468
Bedford (812) 277-9359
Bloomfield (812) 384-4448
1503 West Arlington Road
Bloomington, Indiana 47404
BLOOMINGTON 812.339.3440      BEDFORD 812.277.9359
PAOLI 812.723.1600                     COLUMBUS 812.372.9480
BLOOMFIELD 812.384.4448    MARTINSVILLE 765.342.4240
FAX 812.323.7677


*Please do not use this address for CM/ECF Service.  See the bottom of this page for our CM/ECF
Service Email Address.  Also, PLEASE NOTE that the use of the Internet for communications with our
office will not establish an attorney-client relationship and messages containing confidential or
time-sensitive information should
not be sent.  Thanks!
(Email text not "selectable" to prevent spam)
Martinsville (765) 342-4240
Columbus (812) 372-9480
Paoli (812) 723-1600
Advertising Material
We are a debt relief agency.  We help people file for
bankruptcy relief under the Bankruptcy code.  The
services and/or benefits we provide are with
respect to Title 11 of the United States Code.
Click here to get books and
materials for re-building
credit, dealing with
collection agencies, etc.
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Indiana residents, feel free to contact us to arrange a
26. Can taxes be discharged in bankruptcy?
27. How long is bankruptcy on your credit report?
28. Can bankruptcy stop a foreclosure/sheriff sale?
29. Does the automatic stay protection last forever?
30. How long until discharge in a Chapter 7?
31. How long until discharge in a Chapter 13?
32. How do you know if you should declare bankruptcy?
33. What is a Motion for Relief from Stay?
34. If you file Chapter 7, can you get a top credit score before the 10 years of Chapter 7 on your credit report are up?
35. Can non-married persons file a joint bankruptcy (i.e. father and son, business partners, etc)?
36. I filed bankruptcy several years ago. I can't remember the exact date. How can I check on that?
37. How long after a real estate transaction do I have to wait to file for bankruptcy?
38. What happens if, when I file bankruptcy, someone owes me money or I have a lawsuit I have filed or could file against someone else?
39. Can I get a loan to refinance my house or buy a new car when I am in Chapter 13?
40. Can I get student loans after bankruptcy?
41. Do accounts discharged by your bankruptcy come off your credit report?
42. Can a credit card company put a lien on your house?
43. Is there a way with bankruptcy to remove your name as co-signer from a loan?
44. If I file bankruptcy can I still have a debit card with my checking account?
45. I've defaulted on my car loan and the car has been repossessed and sold by the lender. I've also had a mortgage foreclosed and the property sold at sheriff sale. I owe a balance on both instances. Are the balances I owe secured or unsecured debt now, since I no longer have the property?
46. If a judgment has already been entered against me, can it still be discharged by filing a bankruptcy?
47. I filed bankruptcy and I reaffirmed the loan on my car. Since my Discharge, the car has some major problems that I cannot afford to take care of. Can I reopen my bankruptcy and have the car loan discharged even though I reaffirmed the loan?
48. Are there any age restrictions to bankruptcy?
49. Can you refinance or sell a house during foreclosure?
3. Do I lose all of my property if I file?
1. What types of bankruptcy are available?
2. What is the difference between Chapter 7 and Chapter 13?
4. Will I have to go to court?
5. How does the process of filing bankruptcy work?
6. What types of debt may be discharged in bankruptcy?
7. How can bankruptcy hurt me?
8. How can bankruptcy help me?
9. What fees do I have to pay to file bankruptcy?
10. If I am married, does my spouse have to file too?
11. Can I run up my credit cards and then file bankruptcy?
12. What can I do to avoid ever having to file bankruptcy?
13. What alternatives are there to filing bankruptcy?
14. Will I get fired for filing bankruptcy?
15. Will my creditors stop harassing me if I file bankruptcy?
16. Do I have to use a lawyer to file bankruptcy?
17. How often can you file bankruptcy?
18. Once I realize I may need to file bankruptcy, what should I do?
19. Is the bankruptcy filing printed in the newspaper?
20. How long do I have to live in a district before I can file bankruptcy there?
21. I've heard of a "Chapter 20," what is that?
22. Do I have to have a certain amount of debt to file bankruptcy?
23. Does my filing bankruptcy protect a co-signer?
24. What is the typical debtor profile?
25. Is there anything I can do to get collection agencies to stop calling me besides filing bankruptcy?
Note: You may use a debit card to make a
payment, but under no circumstances may
you use your own credit card to make a