Filing for bankruptcy requires a proactive mindset. It’s not something that happens to you, it’s something you make happen. That’s why it’s important to prepare for bankruptcy and ensure you’re ready for everything to come. You’ll need to educate yourself about bankruptcy terms, fill out specialized forms and decide between Chapter 7 and Chapter 13 … Read More
Do you have equity in your home? If so, it’s an asset that can be protected, to a degree, during bankruptcy. When you file for Chapter 7 or Chapter 13 bankruptcy, the homestead exemption can help you safeguard your property and preserve your well-being. The homestead exemption differs by state, and there is also a … Read More
An emergency bankruptcy or skeleton filing is immediate action meant for immediate financial situations such as repossession, foreclosure sale, or wage garnishment. A skeleton filing gets bankruptcy protection, the automatic stay, in place faster by allowing you to file abbreviated paperwork for emergency bankruptcy. After filing the abbreviated paperwork, you have 15 days to complete … Read More
If you’re considering filing for Chapter 7 or Chapter 13 bankruptcy, it’s important to understand which financial issues bankruptcy will – and won’t – be able to address. Bankruptcy can take a weight off your shoulders and offer temporary or permanent relief from debt. However, it is not a cure-all. Some types of debt can’t … Read More
If someone is garnishing your wages, filing for Chapter 7 or Chapter 13 bankruptcy might stop the garnishment – or it might not. However, bankruptcy can stop almost all types of wage garnishments. What is Wage Garnishment? Your wages are garnished when a court orders a portion of your paycheck be paid directly to a … Read More
As you file for Chapter 7 or Chapter 13 bankruptcy, your attorney will help you prepare numerous forms that use bankruptcy terms like contingent, unliquidated and disputed. The goal of filling out these forms is to list all your debts and property assets, so you and the Trustee assigned to your case can understand your … Read More
When you declare Chapter 7 or Chapter 13 bankruptcy, you open your financial life to be examined thoroughly in exchange for benefits that come with bankruptcy. Along the way, you’ll need to list all your debts and understand the various ways they’ll be discharged. Charge-off and repossession are two procedures you’ll commonly encounter. Here’s what … Read More
Going through bankruptcy while trying to pass security clearance is a tough situation. Every aspect of your life is under a microscope. Not only is the military and governmental agencies asking comprehensive and in-depth questions, so is the bankruptcy court. Filing for bankruptcy (either Chapter 7 or Chapter 13) does not automatically lead to a … Read More
Having to face a lawsuits is rough. Creditors often file lawsuits to try and collect debts. While filing for bankruptcy halts most lawsuits, it does not stop them all. Consult a bankruptcy attorney, who can give you a clearer picture whether a bankruptcy filing can help you with a pending legal matter. How Does a … Read More
Many couples going through divorce find filing for joint bankruptcy can often alleviate some of the issues causing their marital friction. How you and your ex-spouse work together will determine how a joint Chapter 13 bankruptcy can proceed. Talk with the lawyer handling your joint bankruptcy case early. How Can Divorce Disrupt a Joint Chapter … Read More
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No upfront attorney fees in qualifying cases. Pay only court filing fee, credit reporting fee, and pre-bankruptcy credit counseling session fee to get a case on file to stop garnishments, repossessions, and certain court actions. Restrictions may apply. Please call to discuss your situation and learn how we can help.
