As the warmer weather approaches, some families face the prospect of having their utilities shut off for nonpayment. In many states a winter moratoriums run from November through the end of March (State Disconnection Rules), so as April approaches, some may lose power if they are running behind on their utility bills. Oftentimes an inability to keep up with utility bills is part of a larger financial struggle.  Fortunately, Chapter 7 bankruptcy can provide immediate relief to those who are in … [Read more...]