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It is safe to say that most individuals file for Chapter 7 bankruptcy (or Chapter 13) after exhausting all other debt relief options. You may feel better when taking these first steps, but you still have responsibilities. A trustee will be assigned to represent your...
People file bankruptcy because they worry about the consequences of collection activity or know that they need help getting control over their debt. Bankruptcy helps those struggling financially by providing an automatic stay. After you file your initial paperwork...
People struggling with debt will often try any solution that seems like it could help them stave off collection efforts. Some companies advertise credit card debt settlement services on the radio and on television. They target individuals who have high levels of...
Filing for personal bankruptcy is a major decision. It will result in the closure of your revolving lines of credit. If you are successful, your bankruptcy will lead to the discharge of the remaining balance on your unsecured lines of credit. A Chapter 7 bankruptcy...
Financial difficulties can happen to anyone. And when they do, they can push your resilience, patience and even sanity to the edge. Declaring Chapter 7 bankruptcy can bring an end to these challenges. However, before filing your Chapter 7 Bankruptcy, you must qualify....
Rumors spread like wildfire and there are plenty of bankruptcy stories to go around. There are several myths you may need to debunk if you’re planning to file for bankruptcy. Here’s what you should know: Myth #1: You can only file one bankruptcy in life Truth: You...
Filing for bankruptcy is a form of financial reset. You can immediately stop aggressive collection activity and also discharge some of your debts, allowing you to establish a more streamlined and manageable household budget. Many people who file for bankruptcy are...
If you had it tough during the past few years, you may have hoped the lifting of restrictions would create opportunities that allowed you to get back on track with your debt payments. Yet, for many people, it turns out that was more fantasy than reality. Prices for...
Many people who become overwhelmed by debt have a job (or two) and a steady income. It’s just not enough to keep up with their expenses. Often, they’ve had an unexpected event like a serious injury or illness that left them with bills they can’t pay. If that’s your...
Your vehicle is an important tool for daily life. It helps you get to work and allows you to provide support for your family members as well. It is also a valuable asset, and you may worry about the possibility of losing it if you file for personal bankruptcy. A...
