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Blog Posts in 2017

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Bankruptcy Exemptions for Illinois Petitioners

One of the primary benefits of filing for a Chapter 7 bankruptcy is that you might be able to discharge all or nearly all of your debts, without having to follow a three-to-five-year repayment plan. ...
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What You Can Expect at Cutler & Associates, Ltd.

Since 1990, Cutler & Associates, Ltd. has been providing an uncompromising level of client care to individuals who are going through bankruptcy. Our attorneys understand that filing for bankruptcy ...
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Quick Tax Tips for Bankruptcy Filers

A Chapter 7 or Chapter 13 bankruptcy discharge is an effective way to get back in control of your finances and your family's future. But even bankruptcy has its limitations, and one of those ...
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Quick Facts for Immigrants Thinking of Filing for Bankruptcy

Immigrants to the U.S. sometimes live under precarious circumstances, regardless of whether or not they are documented. Both documented and undocumented immigrants can file for bankruptcy, but ...
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Restoring the Health of Your Credit

Your credit score can either save or cost you thousands of dollars over your lifespan. Your first step toward a healthy credit score is to know what yours is currently at. Request a copy of your ...
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The Conditions for Discharging Tax Debts in Chapter 7 Bankruptcy

Some bankruptcy petitioners see all of their debts discharged in Chapter 7 bankruptcy, while others still have a few lingering debts that weren't dischargeable. The category that tax debts fall ...
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Is It Possible to File for Bankruptcy If I'm Unemployed?

Wage reductions and job loss are some of the common reasons why people file bankruptcy petitions. It isn't necessary to be employed in order to file. Bankruptcy filers who are unemployed usually ...
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Can I Afford to Have a Pet?

Your pets are an irreplaceable part of your family. Like any other family member, pets can lead to unexpected bills. Maybe your cat has allergies and needs an expensive prescription diet food, or ...
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Can This App Help You Move Forward After Bankruptcy?

Bankruptcy lawyers understand that their clients worry about what life will be like after bankruptcy. Whether you've filed for Chapter 7 or Chapter 13 will significantly influence your ...
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How Much Debt Qualifies Me for Bankruptcy?

There is no set amount of debt you need before you can file for bankruptcy. Every person's financial situation is unique. Schedule a consult with a bankruptcy lawyer, and bring your financial ...
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Reasons and Procedures for Reopening a Closed Bankruptcy Case

Even with the help of a seasoned bankruptcy attorney, the process of discharging your debts can seem lengthy. You probably wouldn't be eager to reopen the case, but there are a few circumstances ...
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Can I Keep My Tax Refund After Filing for Chapter 7?

For W-2 employees, April is its own holiday season—tax refund season. And if you're in debt, you might be planning to use your refund to pay down some of those bills. Everyone's ...
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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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