Bankruptcy Blog

Important Information about Asset Transfers and Bankruptcy

One of the biggest concerns you have when filing for bankruptcy is denial of your request. This is one of the primary reasons people filing for bankruptcy choose to work with an attorney – it decreases the chances of a denial or risking losing assets. Unfortunately, requests can be denied for a variety of reasons, even if the person filing did nothing intentionally wrong. One example of this is asset...
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928 Hits

What is a Debtor Education Certificate?

When you file for bankruptcy you will be required to participate in credit counseling just prior to filing, and you will also need to participate in debtor education after you file. Both programs help you learn how to manage your finances and credit better in the future. A debtor education certificate is not necessary prior to filing, but it will be necessary to complete the bankruptcy process. Debtor education programs...
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1065 Hits

Four Tips to Help You Make Your Bankruptcy a Success

Bankruptcy can help you gain control of your financial situation and give you hope for the future. It also triggers some significant changes in your life. Those changes begin with filing and completing the lengthy list of to-do’s needed to ensure your bankruptcy is successful. Here are a few things you can do to make the process of bankruptcy easier for you and decrease the likelihood anything will go wrong...
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1218 Hits

Eviction and Bankruptcy

Losing your home is a common concern for those filing for bankruptcy, but what about those who do not own their homes? What happens if you lease or rent your living space and you decide to file for bankruptcy? You might be surprised to learn bankruptcy can affect you regardless whether you rent or own. In many cases, someone filing for bankruptcy may be facing eviction because they are behind...
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1216 Hits

Are You a Victim of Debt Collector Abuse? Here’s What You Should Know

If you are experiencing financial challenges and have fallen behind on bill payments, you already know how stressful it can be to receive calls from debt collectors. Even collectors who are not aggressive can trigger feelings of anxiety when their number comes across the caller ID. And when debt collectors cross the line, your situation can be downright frightening. Did you know there are laws governing what a debt collector...
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1034 Hits

What are Lien Stripping and Cram Down?

There are many tools that can be used during the course of bankruptcy to ensure your protection and make things just a bit easier in the long run. Lien stripping and cram down are two examples of useful bankruptcy tools. Lien stripping and cram down are used during Chapter 13 bankruptcy filings. They help you modify secured debts, such as car loans or mortgages, to make repayment of these loans...
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1419 Hits

Tips for Choosing the Right Bankruptcy Attorney for You

Filing for bankruptcy can be an intimidating experience, but working with a great attorney can make everything just a bit easier. Bankruptcy attorneys aren’t “one size fits all,” so if you are considering using bankruptcy as a tool to get you back on track financially, here are a few tips for choosing an attorney that works for you. The Importance of a Bankruptcy Attorney It is possible to file for...
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864 Hits

Is Credit Possible after Bankruptcy?

Many people who consider bankruptcy decide not to file because they are afraid of what filing will do to their credit. It’s true, bankruptcy will hurt your credit short-term, but it is often the best option available for you to repair your credit over time. Bankruptcy has a far more positive impact on your credit than ignoring your debts and allowing your credit score to sink lower and lower. Not...
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1020 Hits

Is It Possible to File for Bankruptcy If I’m in the Military?

Financial challenges are unpredictable and when you or a family member is in the military, things can be even more uncertain. Military families are often forced to relocate or deal with deployment – both things that can present financial challenges, especially if things are on shaky ground to begin with. When someone back home is trying to juggle caring for the family and keeping things on track while a service...
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927 Hits

The Bright Side of Bankruptcy

There’s no denying it – most people don’t aspire to bankruptcy and many unfortunately continue to live with crippling debt instead of exploring bankruptcy. Despite bankruptcy being viewed negatively by many people, there are a number of positive things that come from filing. The key to appreciating what bankruptcy has to offer is to understand the process and recognize that much of what the average person knows about bankruptcy is...
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1082 Hits

How the Fair Debt Collection Practices Act Helps You

Unless you have faced financial problems and dealt with the relentless behavior of creditors and bill collectors, you won’t quite understand the stress and anxiety triggered by the situation. Knowing that every time your phone rings it could be someone demanding money from you – money you do not have – weighs heavily on your well-being and can mean the difference between living happily and facing each day with dread....
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1059 Hits

Can an Installment Agreement Help You Get Out of Debt?

If you have fallen behind on a debt the lender might offer you an installment agreement to encourage you to make payments. This is often the case when a debt is turned over to a collection agency – many debtors receive warning notices from collection agencies that offer installment payments as an option for avoiding legal action. There are also instances in which debtors can propose an installment payment schedule...
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1386 Hits

Are Your Financial Woes Related to IRS Debts? Here’s What You Should Know

All financial challenges are frightening, but nothing is scarier than owing a debt to the IRS. Most people facing a large IRS debt feel helpless and don’t know what to expect. The system is confusing and IRS debt collectors can be aggressive, so the first thing you should do if you are behind on tax payments is to find a support system who understands the law and can offer guidance...
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1164 Hits

The Bankruptcy Trustee: Not Necessarily an Enemy!

There is a tendency to view authority figures and those with any control over one’s life as an adversary – maybe even an enemy. This is especially true when we have made mistakes. If we feel out of control, someone stepping in and taking control can be intimidating. This is often the case when a person files for bankruptcy and must work with a bankruptcy trustee. The good news is...
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1408 Hits

Talking to Your Family about Bankruptcy

Telling your family you have decided to file for bankruptcy may be one of the toughest things you will ever do. Some people even choose not to share this information with family members at all. It is a personal decision and unless someone is affected directly by your decision to file, there is no official reason why you need to let anyone know. In spite of there being no requirement...
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1538 Hits

Starting the Year Strong: Three Things to Do Now if You Want a Brighter Financial Future

It’s that time of year when you can reflect on the 12 months that passed and begin to look forward to the 12 ahead. For many people, reminiscing and planning involves finances – how they are now, how they could be better, and what needs to be done to achieve any goals. If you are hoping to have a brighter financial future in 2016, here are a few things you...
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1358 Hits

Everything You’ve Ever Wanted to Know about Bankruptcy Court

Bankruptcy court is often the most intimidating aspect of filing for bankruptcy . Someone who might be willing to file for bankruptcy if it were only a matter of filling out paperwork might choose a different path because the thought of “going to court” is just too overwhelming. The good news is bankruptcy court is not nearly as frightening as it might seem and it is nothing like courtroom scenes...
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1287 Hits

Tips for Dealing with Medical Debt

Medical debt is one of the most common reasons people are pushed into financial turmoil. Most medical debt comes unexpectedly and is often much higher than expected - the amount of money associated with medical treatment can be astronomical. The problem is compounded even more when a person is unable to work because of his or her illness – which means doctor’s bills continue to pile up with no earnings...
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1516 Hits

Is Renting a Good Idea after Bankruptcy?

Finding a place to live if bankruptcy has forced you out of your home is stressful. Bankruptcy can make it difficult to qualify for a mortgage, at least for the foreseeable future, so renting is likely your only option. The trouble is, you might also find it challenging to rent a home after bankruptcy. Luckily, there are a few things you can do to ensure renting a home goes smoothly...
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Dealing with the Emotional Side of Bankruptcy

Finances and debt can be a cold issue void of any passion, but can also be something that is very emotional. This is especially the case when financial problems arise and people are faced with bankruptcy. If you are struggling with money and you believe bankruptcy could be in your future, here’s what you should know about dealing with your emotions. The truth is, filing for bankruptcy can affect your...
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1490 Hits

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