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There are certain assets you need to take care of yourself and your family. You need to retain a place to live, for example, and enough furniture and clothing for your comfort and safety. You also need a vehicle so that you can get to work or take your children to...
If you are considering filing for bankruptcy, it might be prudent to act quickly. Declaring bankruptcy can stop a potential repossession, foreclosure or wage garnishment. Simply put: bankruptcy can offer much-needed relief when you are overwhelmed with debt. By...
Do not buy into the idea that bankruptcy only happens to those who make poor financial decisions. This is a common myth, and it’s the reason a lot of people feel ashamed to even file bankruptcy -- or, at least, to tell people about it. They feel like it is an...
One of the concerns that many people have when considering filing for bankruptcy is whether their employer (or potential employers) will know about it. In most cases, they won’t unless you tell them. People who file for bankruptcy have protections under both the...
People fall on tough times financially often through no personal fault of their own. They might get into a car crash, get hurt at work or get laid off because their employer has financial issues. When your debt level is too high for your current household income, you...
Medical bills are a leading cause of bankruptcy filings. Some studies indicate that medical expenses are the primary cause of 62% of all bankruptcies. Regardless of the statistics, though, the fact remains that many people in Texas, even those with health insurance,...
Chapter 13 bankruptcy can be a good solution for someone with income or assets that has more debt than they can manage. Unlike Chapter 7 bankruptcy, the person filing won't need to sell their property to repay creditors. However, they will have to complete a repayment...
Many people associate losing a job with bankruptcy. It’s easy to see, after all, how fast debt can get out of control if you no longer have a job. The solution, most people may assume, is to search for another job and regain their stable income, thus avoiding the...
For someone who is struggling with heavy debt, consolidating may be a good idea. Having multiple credit cards, for example, means that the person is making several payments a month and having to pay interest on each card individually. This could mean hundreds more in...
There are many ways to eliminate debt, and bankruptcy is just one of them. Depending on how much money you earn, the financial complexity of your case, and any legal issues that need to be addressed, other methods of debt relief could be a good choice. Be wary,...
