Credit Card Debt and Bankruptcy
If money is tight, you may get in the habit of using your credit card as a back up. This isn’t a problem if you pay off the balance each month, but the balance can grow quickly and your credit card can...
View ArticleHow Soon Can I File Again?
When you file bankruptcy, you hope that this will be a once in a lifetime event. You’ll want to time your bankruptcy for the maximum benefit. With the new start that bankruptcy provides, you can do...
View ArticleWhat is Chapter 20 Bankruptcy
Being in debt doesn’t always have straightforward solution for everyone. Some people may be able to buckle down, cut costs, and simply pay off their debt over time, and this is the best choice, if it’s...
View ArticleWhat Happens to my Home in a Chapter 13?
One of the biggest fears that people have when preparing to file bankruptcy is that they will lose their home. Fortunately, there are many ways to avoid foreclosure if you’ve fallen behind on your...
View ArticleBankruptcy and Your Credit Report
You’ve probably heard that one of the negative consequences of filing bankruptcy is a decrease in your credit score. If you’ve always had good credit, this may not seem like a big deal, but having...
View ArticlePre-Bankruptcy Payments
If you owe money but know there’s no way you’ll ever be able to pay it back, you may feel guilty. You may worry not only what happens to your credit, but also what it means for your creditors to not be...
View ArticleOverview of Adversary Proceedings
Most of the time when people file bankruptcy, it’s a straightforward proceeding. You file your case, complete your credit counseling, attend your 341 Meeting, and are on your way to financial freedom....
View ArticleDealing With Debt Collectors
If you’re in debt and have missed payments or are unable to keep up with other expenses due to the debt, you most likely are well aware of this. When creditors start calling to remind you about how...
View ArticlePlanning for Bankruptcy
When you first begin to fall behind on bills, it may be a temporary situation due to a month with extra expenses or decreased income. But if one month turns into two (or more) and you’re scrambling to...
View ArticleChapter 13 and Your Automobile
It’s no secret that Americans love their cars. For many of us, they symbolize our freedom, and the thought of losing your car in bankruptcy can be nerve wracking. In reality, many people are able to...
View ArticleBankruptcy and Child Support
One of the greatest fears that people must confront while dealing with debt is worrying that they won’t be able to provide for their families. Depending on the type of debt, your creditors may be...
View ArticleConverting a Chapter 7 to a Chapter 13
Bankruptcy is possibly one of the largest decisions you will make in your lifetime. As with any important decision, you really need to know all the facts before you make a move. That’s where I come in;...
View ArticleChapter 13 and Mortgage Cramdowns
Many people believe that if you file bankruptcy, you will lose your home, but there are ways to keep your home and even reduce your mortgage payments when you file. So if you’re struggling with your...
View ArticleChapter 7 Bankruptcy and Your Car
For most Americans, owning a car is not just convenient, but an absolute must in order to get to work and school and to take care of other responsibilities. If you’re in debt to the point where you can...
View ArticleWhy Your Bankruptcy Case Might be Dismissed
Being in debt and having payments you can’t make is one of the most stressful things a person can go through. When you add filing bankruptcy on your own and trying to learn the ins and outs of the...
View ArticleChapter 9 Bankruptcy
Over the course of time, I have helped numerous people file bankruptcy and regain their financial freedom. One of the ways I help others is by encouraging them to learn more about their options related...
View ArticleCan I Dismiss my Chapter 7 After I File?
Have you found yourself drowning in debt? Have you done everything you can think of to make more money and reduce any unnecessary spending but each month you fall further behind? Are bill collectors...
View ArticleBankruptcy Forms
Precision and attention to detail are required when you’re preparing for bankruptcy, especially when it comes to completing your forms and organizing the required documents. When you work with an...
View ArticleBankruptcy and Credit Unions
For banking and loans, some people prefer large, well-known banks; however, large banks can be impersonal and can put off some people with their lack of personal touch. Credit unions seem to be a good...
View ArticleStatement of Financial Affairs
Preparing the paperwork for your bankruptcy case can seem tedious or repetitive, but each form is important and gives the court the information to handle your case correctly. Some forms give basic...
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