Thursday, September 8, 2016

Is My Cell Service Put At Risk When I File Bankruptcy?

Most everyone has a cell phone today, with very few consumers resorting to use of a land line phone. In fact, cell phone use is so commonplace that there are people who have likely never even seen a land line in their lifetime! Today, a cell phone is not just a luxury item used only by high powered businessmen or physicians, even teens and young adults carry phones around in their pockets. And, most phones do more than just make phone calls or send text messages. Constant advances in technology have made it possible to use a phone in much the same way a laptop or PC is used, and a lot of people rely on their smart phones to conduct business every day. So if your service is interrupted or put at risk of being lost altogether, the end result can be devastating to your ability to earn a living.

If you are in need of financial help and have made the choice to turn to bankruptcy to get a fresh start with your money, it is important to know what types of services you can expect to maintain. Some examples of services you are allowed to keep when you file bankruptcy include:

         Heat and air.

         Cell phone service.

         Cable or satellite television services.

         Internet and high speed modem connections.

         Satellite radio service.

That said, you might come to the conclusion that all of these services are no longer necessary. When you file bankruptcy and try to re-work your budget, some concessions do have to be made. But this does not mean the service provider has the blanket authority to disrupt your service just because a bankruptcy case has been filed. This also does not mean that you are allowed to enjoy these services without payment, and this is why tough choices have to be made. If you are behind on payments, you do have the chance to get current without harassing calls or letters. This alone can benefit you by giving you the peace of mind in knowing that you are making headway on your account without having to dodge phone calls or other collection efforts.

For more information about how your cell phone service is affected by bankruptcy, call us today or reach us online at


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