With the beginning of tax season a mere four months away, now is the best time to start planning if you are a consumer considering filing for Chapters 7 or 13 Bankruptcy protection. The connection between your taxes and bankruptcy is not immediately apparent, nor is the correct action to take to protect the most of your personal assets in a bankruptcy proceeding (especially in a Chapter 7).

Payday loan companies refuse to play by the rules. They continue with the harassing calls and take payments after the bankruptcy has been filed, both of which are violations of the Bankruptcy Code and, arguably, other federal law including the FDCPA. Most, especially the online companies, refuse to provide a mailing address where process can be served by the Bankruptcy Court, instead demanding the attorney fax them Notice of Filing which is not method of service recognized under the Federal Rules of Civil Procedure or the corresponding Bankruptcy rule.