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You’ve always been able to make your mortgage payments on time, but due to losing your job for a period of time and seeing changes in your income, you’ve fallen behind. This is completely normal and is something many people in America deal with. You may have survived...
If you're having difficulty envisioning paying off bills that you have, then you may have decided that bankruptcy is your best option. Many debtors who wish to want to eliminate their debt obligations pursue Chapter 7 bankruptcy because they want to stop collection...
Imagine taking the time to set up a Chapter 13 bankruptcy. You get yourself onto a payment plan that you can afford, and it’s going well. Then, you lose your job or suffer another financial blow, and it throws your finances into disarray. If you have filed for Chapter...
Those who use Chapter 7 bankruptcy are given the chance to liquidate non-exempt assets, pay off creditors with the money and then have the rest of the debt erased. The exact amount that is paid off and erased is different in every case, depending on the level of debt,...
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,...
