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I am going to have to declare Ch 7 bankruptcy, and am considering
doing it on my own using a book published by Nolo. All was looking
manageable until I ran across something in the text that makes me
wonder whether the nature of my business makes the process of filing
more complex. Specifically, I am a health care professional -- I am
self-employed as a physical therapist, and that is my sole source of
income. Nolo indicates that special laws apply to bankruptcies of
health care businesses, and goes on to say that their book does not
cover those laws, it's too complex etc.
However, I can't tell from the text whether those laws apply in my
case. I am filing as an individual, not a partnership or a
corporation, and my debts are virtually all consumer debts, not
business debts. I.e., it's a personal bankruptcy, not a business
bankruptcy. In this case, do those special laws relating to health
care businesses apply? Or is my situation the same as someone who is
self-employed as, let's say, a housepainter?
Also, even if the health care business laws do apply to me, would they
greatly complicate the paperwork of filing in my case? My business is
small & simple, & involves modest sums of money & simple accounting.
It's kind of hard for me to imagine a way my filing could be made very
complex -- there's not a lot to say about my business -- no inventory,
no employees other than myself, no business loans, I rent rather than
own the office where I work, you get the idea.
Thanks for reading & considering my problem!
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