While the information presented in this pamphlet is accurate as of the date of publication,
it should not be cited or relied upon as legal authority. It should not be used
as a substitute for reference to the United States Bankruptcy Code (title 11, United
States Code) and the Federal Rules of Bankruptcy Procedure, both of which may be
reviewed at local law libraries, or to local rules of practice adopted by each
bankruptcy court. Finally, this pamphlet should not substitute for the advice of
competent legal counsel.