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Blog Posts in 2017

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What Happens to My Bank Accounts If I File for Bankruptcy?

Filing for bankruptcy requires careful planning. Since every client's situation is a little different, your bankruptcy lawyer will need all available information and documentation about your ...
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What Your Bankruptcy Lawyer Wants You to Know About Alimony

In bankruptcy, court-ordered payments such as alimony and child support are treated differently from most other debts. They are non-dischargeable debts. This means you cannot eliminate your obligation ...
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Small Steps Toward Solid Credit Scores

Your credit score influences your life in more ways than you might think. It affects how much you'll pay for a car, whether you can purchase a home, and even whether you can pass a landlord's ...
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The High Cost of Daycare and Preschool: A Blessing in Disguise?

Children are a blessing, but the high cost of daycare and preschool tuition has caused financial hardships for countless families. In an effort to pay for their children's needs, some parents may ...
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The Many Money Struggles of Millennials

Although financial struggles can happen at any age, millennials are facing a uniquely challenging set of difficulties that are leaving them more vulnerable than any other generation before them. This ...
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Are Voluntary Retirement Contributions Allowed During a Chapter 13 Bankruptcy?

Since Chapter 13 bankruptcy doesn't wipe out your debts but rather allows you to make payments to your creditors, making contributions to your retirement plan can be tricky since it reduces the ...
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What You Should Know About Automatic Payments

Before you file for bankruptcy, your bankruptcy attorney may recommend that you stop all automatic payments that are set up for your bank account. Doing so protects you from having creditors continue ...
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Chapter 13 to Chapter 7: Reasons for Conversion

In some instances, people who enter into a Chapter 13 bankruptcy wish to convert their cases to a Chapter 7 bankruptcy. As with all things involving your case, you should always consult with a ...
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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 ...
Continue reading "The Hazards of Payday Loans" »

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 ...
Continue reading "A Bankruptcy Filer's Guide to Disposable Income" »
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