Car loan why is it not discharged?
Filing Chapter 7 bankruptcy may allow certain unsecured debts to be discharged, but secure debt, such as a car loan, will not be discharged. In fact, if you fail to make payments on secure debt the...
View ArticleChapter 11 vs. Chapter 13 bankruptcy whats the difference?
Both Chapter 11 and Chapter 13 bankruptcy may allow you to modify secured debt contracts, discharge certain unsecured debts that cannot be repaid over the term of the bankruptcy repayment plan, and to...
View ArticleForeclosure can I get my house back?
Recently on our bankruptcy forum a user asked, “If my home has been sold through auction is there a way that I can get my property back?” Some states allow property owners who have lost their homes in...
View ArticleLawsuit settlement can I keep it after bankruptcy?
If you have filed a personal injury claim, car accident claim, or any other type of civil suit you may be expecting a large lawsuit settlement. Unfortunately, it can take years to receive a lawsuit...
View ArticleSupplemental Security Income overpayment and bankruptcy
Recently on our disability forum a disability recipient asked, “If I have been receiving Supplemental Security Income (SSI) benefits and the Social Security Administration has determined I owe them...
View ArticleTexas wage garnishment laws is my income safe?
The State of Texas offers many protections from wage garnishments for certain types of debts, including credit card debt, breach of contract debts, and tort claims. But before packing up your bags and...
View ArticleMedical bills of dead husband do I have to pay the debt?
Recently on our forum a user asked, “If my spouse has died and I live in a community property state will I be responsible for repaying his medical bills?” Having a spouse die can be one of the most...
View ArticleOnline Payday loans destroying my life help!
Payday loans- experts have been warning consumers about them for years. Not only do they charge exorbitant interest rates, but consumers frequently are sucked into a black hole of debt with endless...
View ArticleFiling bankruptcy top three questions to ask
Given the current state of the economy, high unemployment, high student loan debt, and increased medical costs, you may be suffering a financial crisis. You may have even considered filing bankruptcy....
View ArticleFailed means test why can’t I file Chapter 7?
For years, Chapter 7 bankruptcy has been the most popular bankruptcy to file. It is considered a liquidation bankruptcy, allowing debtors to sell certain assets and use the proceeds from the sale to...
View ArticleCredit Bureaus why should I care what they do?
Individuals may give little thought to credit bureaus and what they do until they decide to request a loan to make a purchase and are denied credit or charged a high interest rate because they have a...
View ArticleDebt collectors what are my rights?
Each year thousands of debtors complain to the Federal Trade Commission (FTC) about violations under the Fair Debt Collection Practices Act (FDCPA). The good news is debtors are wising up to the legal...
View ArticleFinancial situation how can I improve it?
Although government officials claim the economy has recovered, many individuals continue to struggle to pay for their basic needs of food, clothing, and shelter. Others have had to rely on aggressive...
View ArticleChapter 7 Bankruptcy forms how do I file them?
Despite what some are calling a financial recovery, many individuals have not financially recovered from the 2008 economic downturn and may still be considering filing for bankruptcy protection....
View ArticleCalifornia wage garnishment what do I need to know?
Everyone needs income to pay for their basic necessities- housing, clothing, and food. Eliminate income or have your income reduced for an extended period of time and it’s likely you will feel an...
View ArticleSteps to take after filing bankruptcy?
Filing bankruptcy is a big decision, and there are some financial ramifications after it’s complete. With this in mind, filing bankruptcy may only be the first step most debtors have to take to get...
View ArticleCar payment not paid in full will creditor repossess?
Sometimes, despite your best efforts, you may not be able to pay all of your bills in full each month. Whether it’s an unexpected illness, temporary job loss, or expensive car repair, it’s not unusual...
View ArticleCar loan, medical debts and house loan will bankruptcy help?
Even with what experts are calling a “financial recovery,” many debtors continue to struggle to meet their debt obligations. Whether it’s a severe medical crisis, unemployment, or simply the rising...
View ArticleCan I file bankruptcy without my spouse?
Recently on our bankruptcy forum a user asked, “I just got married and I have a substantial amount of credit card debt, unsecured personal loans, and medical debts. Can I file Chapter 7 bankruptcy...
View ArticleAttorney fees are they discharged in a bankruptcy case?
Filing Chapter 7 may allow debtors to discharge most of their unsecured debts. There are, however, certain debts that are retained after the bankruptcy filing. Recently on our bankruptcy forum a user...
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