Bankruptcy attorneys often get questions from their clients like, “Why is my bankruptcy so different from my friend’s?” The question tends to arise when it seems that a bankruptcy isn’t going the same route as a friend or family member’s bankruptcy. Maybe it’s taking longer to resolve or it feels that your debts are … Read More
Do you dread hearing the phone ring because bill collectors are calling? It’s time to take action against pushy creditors. When you file for bankruptcy, they are forced to stop contacting you. In fact, if they continue to keep contacting you after you file for bankruptcy, you could have a great case for a lawsuit … Read More
You’re facing one of the most feared situations any taxpayer can face: a tax levy. The IRS has far-reaching powers to enforce a tax levy, including seizing your assets and property. If you receive notification of a tax levy, delaying your response can add to the penalties you owe and may cause the IRS … Read More
Will I Ever Get My Car Back If It’s Repossessed? Has your vehicle been repossessed? Before you panic, take a deep breath – and know your rights. The United States is currently experiencing the highest rate of automobile loan defaults this century – and that includes the rate of defaults during the recent financial … Read More
When you’re deeply in debt, you may feel plagued by creditors. While they’re generally allowed to contact you about the debt you owe them, there are firm limits on how they can do it. You are protected by laws that restrict creditors from unfair debt collection practices, like using deceptive language and contacting you relentlessly … Read More
It is estimated that in the United States, about 770,000 people file for bankruptcy every year. Filing for bankruptcy involves completing official government forms and following a specific process. You’ll need to familiarize yourself with federal bankruptcy laws as well as your state’s specific rules, including important exemptions that could protect your property and belongings. … Read More
About 800,000 people file for bankruptcy each year. Only a fraction of them are filing for a second or third time. After completing one bankruptcy successfully, most people are able to get back on their feet and establish a stable financial foundation. However, changing circumstances in your life may prompt you to consider an additional … Read More
A Chapter 13 bankruptcy forces creditors to accept what the law says you are required to pay on your debts. At the end of the Chapter 13 plan, you receive a discharge. Also known as a bankruptcy reorganization, a Chapter 13 bankruptcy establishes a plan for alleviating debt in a manner that leaves you in … Read More
When you file for bankruptcy, the process is guided by both state and federal laws. Federal law controls most aspects of the bankruptcy process. However, each state has its own laws about things like property exemption limits (what you can keep in bankruptcy) and income thresholds. Different jurisdictions also have local rules that interplay with … Read More
When considering your options for debt relief, ask yourself the following questions to help you decide which debt relief option is right for you. What Type of Debt Do I Owe? The type of debt you carry determines the extent of the actions that creditors can and will take to collect the monies owed. The … Read More
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