Life happens, we do not set out to owe our creditors money we cannot payback. If you are in a situation where you owe your utility providers for a current service you use, you may be wondering, can I include my utility provider as a creditor in my bankruptcy?
The answer, is yes. Although, you can include your utility providers, read on to find out requirements for doing so.
Your utility providers can be included in your bankruptcy as a creditor. What happens with this type of debt and the steps you need to take after filing will differ though, depending on the type of utility provider.
If you are filing bankruptcy on a necessary utility provider (like water, electric, telephone and gas), your utility provider cannot shut off or refuse your service just because you filed. They can shut off your service, if you do not pay a deposit for continued services after filing though. Therefore, you will need to call the utility company, notify them that you filed and ask if they require a deposit. This deposit will have to be paid within 20 days after your case is filed, so it is important you follow-up with this as soon as possible.
If you are filing on a non-necessary utility provider (like internet) the provider may shut off service after filing. Your debt with the company will be discharged in your bankruptcy, but you will have to find a new provider.
CALL NOW FOR A FREE STRATEGY SESSION FROM A MN BANKRUPTCY LAWYER AT LIFEBACK LAW FIRM
If you have any questions about your creditors, including utility bills, visit www.lifebacklaw.com to speak with an attorney today. You will be glad you did!
