2013 Tax Refund Schedule File Bankruptcy by February 15th

File Your Chapter 7 Bankruptcy by April 2013 Tax Refund Schedule.  This is the time of year when a majority of Chapter 7 Bankruptcy Cases are filed.  Why?  The primary reason is that tax refund are generally delivered before May 31st. For 2013 – The first date to receive refunds by is February 15th.  This is later some than some tax years because of the “Fiscal Cliff”.  Tax Refunds can be used for the payment of attorney fees and court costs.  In Chapter 7 Type Bankruptcy all attorney fees and court costs must be paid prior to filing.  Therefore, tax refund season is usually one of the only times during the year when most filers have  a lump sum to pay their bankruptcy filing fees.

Timeline:  Most tax refund filers should go see a bankruptcy attorney in January and/or February to determine if they qualify for bankruptcy and whether it is a good form of debt relief.  Most tax refund filers will file their taxes in February and receive their refund by April.  Your bankruptcy attorney will have your bankruptcy petition ready to go once your receive your refund and pay your fees.

For those who will not receive a refund or have a refund that is inadequate to pay all of your prepaid attorney fees, a Chapter 13 bankruptcy is a good option.  In this type of bankruptcy typically the court fees are paid up front the attorney fees are paid through the plan.  This is great for people facing garnishment, foreclosure or emergency situations that do not allow for time to make payments to get fees together for a Chapter 7 Bankruptcy.

NLO Nelson Law Office is a debt relief agency offering debt relief through bankruptcy.

when will i receive my w-2

when will i receive my w-2

When will you receive your W-2?  Anytime on or  prior to January 31st.  This means that within about one week you can electronically file your tax return and receive a refund as early as mid-February.  This means that for many people who have already met with a bankruptcy attorney, that their Chapter 7 Bankruptcy can be filed before the end of February.  This provides immediate relief against the claims of creditors including lawsuits, garnishments and set-offs.


To learn more about when your W-2 is coming out, click here!


Make less than $57,000?  File your taxes electronically….for free…click here!


For Chicagoland Residents – looking for a good full service accountant to do your taxes, try Accounting Solutions!


Need a Bankruptcy Consultation, Call 877-GO-GO-NLO or Email NLO click here!

New Year’s Fresh Start Bankruptcy Timeline

New Year’s Fresh Start Bankruptcy Timeline

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NLO Nelson Law Office is a Debt Relief Agency offering debt relief through bankruptcy.

2012 New Year's Eve Fireworks Navy Pier Chicago, Illinois

2012 New Year’s Eve Fireworks Navy Pier Chicago, Illinois

1)  Get Through the Holiday, spend wisely and see our post about credit card use during the holidays
2)  File your taxes as soon as possible
3)  See a Bankruptcy Attorney about Debt Relief Options early in January to find out your options
4)  Receive your tax refund in February and file your bankruptcy.

Why is the New Year such a popular time to file bankruptcy?

Tax Refunds are usually received prior to May 31st of the New Year.  Tax Refunds can be used for legal fees and court costs in a bankruptcy.  The tax refund is listed on the bankruptcy petition, but the portion used for legal fees and filing fees is exempt.

Holiday spending often times puts people “over the top” after years of family budget deficits caused by medical bills, illness, loss of job or overspending.

What should I do if I don’t have much of a tax refund?

You can either wait to file your bankruptcy later after you have saved enough money to pay for it, or you can file a Chapter 13 bankruptcy which allows for all of your legal fee to be included in the bankruptcy “plan”.

Need more options?  Have Questions?

Call David Nelson at 877-464-6656 to set up a free bankruptcy consultation.

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. CALL 877-GO-GO-NLO (877-464-6656) FOR A FREE BANKRUPTCY CONSULTATION TODAY! SATURDAY APPOINTMENTS ARE AVAILABLE.