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Filing a case depends on your situation. Discuss this with your bankruptcy attorney to determine the best time for you. Timing does matter. It can make a big difference in which debts you can discharge and which assets you can protect.

In most circumstances, the answer is yes! An attorney can determine if there is any particular advantage to the type of bankruptcy you are eligible to file and how it could affect your property.

No. The Bankruptcy Code prevents employers from discriminating against you when hiring.

Although many people try to negotiate with their creditors, a voluntary agreement with your creditors does not force them to stop collection activities against you. Also, your debt can and often does accrue interest and penalties while in that process. Bankruptcy stops attempts to collect debts and in most cases freezes the amount you owe as of the date of the filing.

It depends. The general rule in the United States is that if you work more than 40 hours in a week you should make one and one-half times your regular rate of pay.

While it’s true that independent contractors do not have to be paid one and one-half times their regular rate of pay, employers often misclassify employees as independent contractors.

Probably not. Many situations where employees work off-the-clock are considered “compensable time.” That means employers must pay employees for the time they spend doing that work.

Under the Fair Labor Standards Act, you may be entitled to back wages, liquidated damages in an amount equal to your back wages, and attorneys’ fees and costs.