The holidays are here once again. And although this is a season of joy, it’s also a time of overwhelming financial stress. If you’re struggling with crippling debt this holiday season, filing for bankruptcy may be your best option for getting your finances back on track. Fortunately, filing for bankruptcy offers debt relief to help … Read More
The stress leading up to a declaration of bankruptcy can be intense. You worry about creditors and wonder if you will be able to stay in your home and keep your car. You may also worry that your bankruptcy will become public knowledge and affect other aspects of your life. Will your boss and co-workers … Read More
Filing for Chapter 13 bankruptcy can be both challenging and stressful. Although filing can help you eventually become debt free, the process itself can be confusing. One common question that filers have regarding the Chapter 13 process involves income increases and whether they affect payment plans. An increase in income will likely impact your Chapter … Read More
When filing Chapter 7 or Chapter 13 bankruptcy, it’s critical to understand the difference between consumer debt and non-consumer debt. Your consumer and non-consumer debts impact your ability to file Chapter 7 bankruptcy, and your debt types also determine what’s protected by an automatic stay when filing Chapter 13 bankruptcy. If you’re considering filing Chapter … Read More
Many people hold misconceptions about filing for bankruptcy. Perhaps the most common misconception is the notion that filing for bankruptcy means that you lose all of your wealth and possessions. This, of course, is entirely incorrect. When filing for Chapter 7 or Chapter 13 bankruptcy, you’ll qualify for exemptions that allow you to keep some … Read More
Most people have noticed that when one thing goes wrong, several other things invariably follow. There’s even a common expression describing the experience: “When it rains, it pours.” Unfortunately, medical debt is no exception. It can easily precipitate a resulting series of unfortunate events, one of them (ironically) being poor health. This is more than … Read More
Declaring bankruptcy can be incredibly daunting, but sometimes it’s the best option for moving forward to financial freedom. This is especially the case if you’re behind on your mortgage payments. Although sometimes borrowers can receive a forbearance or work out a repayment plan with their lenders, many are unable to reach this agreement, meaning they’re … Read More
There are two primary types of bankruptcies that a person might file when struggling to pay their debts: Chapter 7 and Chapter 13. In a Chapter 13 bankruptcy, the debtor agrees to a payment plan instead of having their property taken to pay creditors. In contrast, in a Chapter 7 bankruptcy, the bankruptcy trustee will … Read More
No matter who you are, bankruptcy can be an incredibly stressful process—but it doesn’t have to be. We understand what it’s like to be drowning in your finances and are here to help. One question we get a lot from many of our clients when they are filing for bankruptcy or have already filed is, “Can … Read More
Debtors who run their credit card balances up before they file for bankruptcy could suffer consequences. Primarily, it could result in your debt becoming ineligible for discharge, which is often the whole point of filing for bankruptcy. So in many cases, running your credit card debt up is not worth it. To fully understand how … Read More
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