You’re swimming in debt. You can barely pay your rent, and your utilities are overdue. One of the most frequently asked questions by individuals contemplating filing bankruptcy is “Can a bankruptcy help keep my utilities on or get them reconnected?” Under 11 U.S.C. §366, generally a utility company cannot refuse or disconnect your service if you file for bankruptcy. So how does the process work?
When you file a Chapter 7 Bankruptcy, we will list the utility company as one of your unsecured creditors. While the Bankruptcy Court then sends notice of your petition filing to the utility company, we can also fax them a notification to speed up the process of getting your power turned back on. The utility company then determines the amount of “adequate assurance” required from you to keep your utilities connected. The “adequate assurance” acts as a deposit and is usually a cash payment. As experienced bankruptcy attorneys, we can tell you what forms of assurance are generally accepted by the utility companies in our locale. And if you qualify for some form of discount or subsistence, the utility company may forgo the deposit. For instance, in Wisconsin, WE Energies foregoes the deposit if your gross quarterly household income is at or below 200 percent of federal income poverty guidelines. If you qualify, we will help you provide supporting documentation to the utility company.
If you are contemplating filing a Chapter 7 bankruptcy and you’re in fear of your utilities being disconnected, or need your utilities reconnected, contact an experienced bankruptcy immediately.
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Contact the “Milwaukee Foreclosure and Bankruptcy Attorneys,” DeLadurantey Law Office, LLC. DeLadurantey Law Office, LLC focuses on Chapter 7 and 13 bankruptcy, debtor’s rights, debt negotiations, debt relief, mortgage loan modifications, and foreclosure defense. A “defender of the little guy,” DeLadurantey Law Office, LLC serves the following location - Milwaukee, South Milwaukee, West Milwaukee, and Milwaukee County, including the municipalities of Bayside, Brown Deer, Cudahy, Fox Point, Franklin, Glendale, Greendale, Greenfield, Hales Corners, Oak Creek, River Hills, Shorewood, St. Francis, Wauwatosa, West Allis, and Whitefish Bay.
DeLadurantey Law Office, LLC: (414) 377-0518.