Bankruptcy Blog

Help! I Forgot to List a Creditor on My Bankruptcy Application!

By law, your bankruptcy application must be correction and complete, and if you omit information, even by mistake, it can lead to your request being denied. Not only might you ruin your chances for a successful bankruptcy, you could find yourself in serious legal trouble. Despite the dire warnings, there are instances in which information is mistakenly left out of a bankruptcy application. What should you do if you discover...
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1875 Hits

Will I Have Any Disposable Income Once I File for Bankruptcy?

Filing for bankruptcy can be a frightening experience, especially if you are concerned it could change your day-to-day living. Though there are many things you will need to give up, at least temporarily, and many things that might change once you file for bankruptcy, these changes are worth it for many. Bankruptcy allows for a fresh financial start in life, and though it requires some sacrifices, it does not mean...
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2014 Hits

Three Steps to Help You Prepare for Bankruptcy in 2015

Bankruptcy can be one of the most effective tools available to help you get back on track in the New Year, but it is still a big decision. It is not the right option for everyone, but there are many who will turn their financial lives around by filing this year. If you are one of the millions who will start fresh by filing for bankruptcy in 2015, these three...
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1966 Hits

How to Avoid Accusations of Bankruptcy Fraud When Spending Opportunities Tempt You during the Holiday Season

We’ve all been there – we swear we are not going to spend another dime holiday shopping and suddenly a sale pops up that is too tempting to resist. Disregarding our current financial difficulties, you put the item in your cart, whipping out the credit card or clicking the “buy” button impulsively. There is something about the holiday season that encourages us to live in the moment and worry about...
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2389 Hits

What You Need to Know about Gift Giving this Holiday Season if Bankruptcy is on the Horizon

Are you contemplating bankruptcy ? Are your plans to start fresh in 2015 and finally get your financial struggles under control? The end of the year is a great time to begin planning for positive financial changes, but your intention to file for bankruptcy can have a significant effect on your holiday season. Generous gift giving before filing can get you into a lot of trouble and how you behave...
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1903 Hits

How Does My Former Spouse’s Bankruptcy Filing Affect Me?

For many divorced couples, the end of a marriage does not mean the end of the relationship. This is true when it comes to parenting and it is also true when it comes to finances. Financial decisions made by your ex spouse can affect you even after you are no longer married. If your ex-husband or wife files for bankruptcy , what do you need to know? Depending on how...
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2526 Hits

What to Expect at Your Meeting of Creditors

A person filing for bankruptcy is required to participate in a Meeting of Creditors. It might seem like one of the most intimidating aspects of filing for bankruptcy, but if you understand what to expect and work with an experienced bankruptcy attorney, the meeting becomes just another part of the process. The Meeting of Creditors, also known as a 341 Meeting, is the only time you are expected to appear...
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1946 Hits

What is the Bankruptcy Means Test?

Determining whether or not you qualify for bankruptcy can be an intimidating experience. Struggling with finances does not automatically make you a good candidate for bankruptcy, and likewise, doing “OK” financially could still mean you are on a one-way path to needing bankruptcy. There are several things you need to consider when determining if bankruptcy is right for you. One issue is whether or not you qualify for a chapter...
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1721 Hits

Top Five Signs It’s Time to Call a Bankruptcy Attorney

Contacting a bankruptcy attorneyContacting a bankruptcy attorney is something the average person tends to put off for as long as possible. Unfortunately, waiting too long can cost you even more. Though you do not want to rush into such an important decision, once you know for sure bankruptcy is a reasonable option, you should act quickly. Waiting allows your financial situation to worsen and in some cases, can cost you...
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2055 Hits

What is Bankruptcy Fraud?

Bankruptcy fraud is a serious offense and can cause your bankruptcy case to be dismissed. Worse yet, it can get you into legal trouble. Unfortunately, people filing for bankruptcy are accused of committing fraud even if their actions were unintentional. This is why it is so important to work with an experienced bankruptcy attorney who can help you keep your filing organized and on track. In most cases, bankruptcy fraud...
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  2072 Hits
2072 Hits

What Debts Cannot Be Discharged in My Bankruptcy?

Many people assume filing for bankruptcy will solve all of their financial problems. In fact, many have used the process to the point of abuse when it comes to repaying their debts. They accumulate debt, planning in advance to declare bankruptcy and eliminate their responsibility to pay it back. Unfortunately, this has not only led to stricter regulations that make it more difficult for the average, well-meaning person to file,...
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1922 Hits

Bankruptcy and Your Student Loan

For many, the bulk of their debt is from the money they borrowed to attend college. Many people filing for bankruptcy either have a big chunk of student loan debt or are put over the financial cliff when their student loans come due. Furthermore, many of the most common questions from people considering bankruptcy relate to student loans. “Will filing alleviate my student loan debt?” “Can my student loan debt...
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2020 Hits

How Can I Improve My Financial Situation?

Not having enough money to pay your bills is usually a symptom of a bigger problem. Unfortunately, it can indicate a serious issue with your financial health. In many cases, something that begins as a minor problem making ends meet can spiral out of control. This is especially true for many lower and middle income families that are living paycheck to paycheck. Pulling a bit from savings here and there...
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2218 Hits

Top Five Mistakes Made Prior to Filing for Bankruptcy

Bankruptcy is a mysterious process to many and in some cases people are embarrassed to admit bankruptcy is their only option. Unfortunately, society has created a bankruptcy stigma and people who choose to file believe they will be viewed as irresponsible or careless, and avoid filing, even if it is in their best interest. As more honest discussion about bankruptcy occurs, attitudes will change. Additionally, because of the current financial...
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2944 Hits

Top Five Bankruptcy Myths

Many people are surprised to learn much of what they thought they knew about bankruptcy is actually untrue. Chances are unless you are struggling with debt or considering bankruptcy, you pay little attention to bankruptcy law. Unfortunately, this leads to a lot of misunderstanding about the process, and in situations when a person might be helped by filing he or she dismisses the opportunity because of misconceptions. What are some...
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2257 Hits

Chapter 13 Bankruptcy and Divorce

Financial issues are often a point of contention during a divorce and bankruptcy can complicate the situation even further. When soon-to-be-former spouses are considering or in the process of a Chapter 13 bankruptcy, the decision to divorce can have a major effect on the bankruptcy. Chapter 13 bankruptcy is the option chosen by those who are earning money, but in need of a controlled plan for paying back their unsecured...
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  2413 Hits
2413 Hits

What You Need to Know about Credit Counseling

For many people experiencing financial struggles, bankruptcy is an absolute last resort and they will do whatever it takes to avoid filing. Unfortunately, “whatever it takes” is often far more detrimental than had they chosen bankruptcy. Though bankruptcy does signify a person is experiencing significant financial hardship, it provides an opportunity to put an end to a situation that has spiraled out of control. Bankruptcy gives you a path back...
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2198 Hits

What Should I Know about Wage Garnishment and Bankruptcy?

Wage garnishment is a term that frightens many people facing financial hardship. This is due in part to people not fully understanding how wage garnishment works. If a person owes a debt and is unable to pay it of his or her own accord, and he or she has a steady income from an employer, wages can be garnished. This means a payment to the lender is taken from the...
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2210 Hits

Can Bankruptcy Help If I’m Facing Foreclosure on My Home?

Foreclosure is one of the scariest experiences a homeowner can encounter. The thought of losing your home because you fall behind on payments is devastating. Unfortunately, when you purchase a house, you can never be 100% certain what the future holds. The loss of a job or the surprise of medical bills can trigger a financial emergency and within just a few months, you are faced with threats from your...
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2184 Hits

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