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Get the Answers to Your Questions About Debtor Education

For a bankruptcy petition to proceed, filers must meet two educational requirements. The first is an approved credit counseling course, which needs to be completed before an individual can file for ...
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The Length of Your Repayment Plan

For certain debtors, a Chapter 13 bankruptcy is preferable to a Chapter 7 bankruptcy. During Chapter 13, the debts are reorganized and dealt with under a structured repayment plan. Some of those debts ...
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The Hazards of Payday Loans

Payday loans aren't like regular loans. They're cash advances on your paycheck. It might sound like a good idea to take out a small payday loan if you can't afford to pay all of your ...
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What Is an Involuntary Bankruptcy?

Involuntary bankruptcies are quite rare. When they are filed, they typically involve a business, not an individual. An involuntary bankruptcy is filed by a creditor against a debtor who has not been ...
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A Bankruptcy Filer's Guide to Disposable Income

Chapter 13 bankruptcy is also sometimes called "wage earner bankruptcy" or "reorganization bankruptcy." Unlike Chapter 7, which discharges most or all debts once the bankruptcy is ...
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The Means Test and Your Private School Tuition

When you speak with a lawyer about filing for Chapter 7 bankruptcy, he or she will evaluate your income and qualifying deductions to determine if you pass the means test. This simply means that if ...
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Are Medical Bills Driving You into Bankruptcy?

Along with credit card debt, exorbitant medical debts are among the most common reasons why people consider filing for bankruptcy. Even with insurance, an emergency appendectomy or unplanned C-section ...
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Preparing for the Meeting of Creditors

The meeting of creditors, also known as the 341 meeting, is a mandatory step in your bankruptcy proceeding. Your lawyer will let you know what to expect during the meeting and how you should prepare ...
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What Are Priority Unsecured Claims?

Your creditors are the people or entities to whom you owe debts. In a bankruptcy case, each of your creditors has a claim against your assets. After your bankruptcy lawyer files the petition, your ...
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Common Questions About Credit Counseling

Bankruptcy is a viable option for getting a fresh financial start in life, but it does come with some requirements. Before your lawyer can file your bankruptcy petition, you must complete a mandatory ...
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A Quick Look at the BAPCPA of 2005

The Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005 was signed into law for the purpose of reforming existing bankruptcy regulations. It tightened restrictions and introduced ...
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Why You Need a Lawyer Instead of a Petition Preparer

Filing for bankruptcy is one of the most important decisions you will make in your entire life. The process is complex, and a single mistake could compromise your ability to recover financially for ...
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Get a Glimpse of the Meeting of Creditors

All bankruptcy petitioners must attend a meeting of creditors. The meeting of creditors is often referred to as the 341 meeting because it is required by Section 341 of the U.S. Bankruptcy Code. This ...
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Is Bankruptcy Fraud Illegal?

When you file for bankruptcy, you will be required to provide a list of your assets to the court. Failing to be thorough on that list could constitute bankruptcy fraud. It is important to ask your ...
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Common Questions About Wage Garnishment

Wage garnishment can cause significant hardship and make it even more difficult to get back on top financially. If you are currently being subjected to wage garnishment, bankruptcy could be a ...
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Understanding Your Repayment Obligations

When you file for Chapter 7 bankruptcy, most of your debts are discharged after you have repaid as much as possible through the sale of your assets. With Chapter 13 bankruptcy, the picture is ...
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The Automatic Stay: What Are the Exceptions?

When your bankruptcy attorney files the petition on your behalf, an automatic stay goes into effect to prevent your creditors from contacting you, pursuing a civil lawsuit, or taking any other adverse ...
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A Consumer's Guide to Analyzing Credit Reports

After you have received a bankruptcy discharge, you can look forward to a fresh start in life. But there's still some work that needs to be done. For example, bankruptcy does lower one's ...
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The Basics of the Bankruptcy Petition

There are a few tasks you need to complete before you can file for bankruptcy, but in general, the filing of the bankruptcy petition is the first official step in the proceedings. Your bankruptcy ...
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What Debtors Need to Know About Lien Avoidance in Bankruptcy

You might have heard that bankruptcy law treats different types of debts in different ways. This certainly applies to recorded liens. Lien avoidance during bankruptcy refers to eliminating or reducing ...
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Are Judgments Discharged in Bankruptcy?

When your debts are piling up and you lack the ability to make your payments while still supporting your family, it may be time to speak with a bankruptcy lawyer about your options. Bankruptcy is ...
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Proposing This Holiday Season? Buy a Ring Without Going Into Debt

The holiday season is a popular time for proposals and, unfortunately, for accruing significant debt. If you intend on proposing to your honey this winter, purchase a ring that you can afford without ...
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Need a Replacement Vehicle? Here's How You Can Get a Loan After Bankruptcy

After filing for bankruptcy, you can expect to put in some work repairing your finances. You'll need to live on a strict budget for a while, but this doesn't mean that it will take years to ...
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A Quick Look at Bankruptcy Legal Fees

If you're considering filing for bankruptcy, you might be wondering how you can afford to pay legal fees for your case. Bankruptcy lawyers understand that their clients come to them in difficult ...
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Answers to Your Questions About Secured Credit Cards

After a bankruptcy, you may be surprised just how quickly credit card offers begin to show up in the mailbox again. Some of these offers may be for secured cards. For some people, secured cards can be ...
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