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Posts filed under: Chapter 7 Bankruptcy

Converting from Chapter 7 to Chapter 13

Through the Bankruptcy Code,1 Congress established two main types of consumer bankruptcy: Chapter 7 and Chapter 13. Chapter 7 is what most people think of when they hear the word “bankruptcy.” It is a type of liquidation. In Chapter 7,...

Debt Consolidation Versus Bankruptcy

If you are like the millions of Americans struggling with debt, it is important that you know that there are options. While bankruptcy may be one of those options, it may not be the best fit for your specific financial...

33 Things Not to Do When Filing for Bankruptcy

Don’t leave out Bank, Checking, Savings, Brokerage, Credit Union accounts from your list of accounts. Don’t file if your income is greater than your expenses. Don’t use your credit cards within the 3 months of filing. Don’t take Credit Card...

How Much Does Bankruptcy Cost?

During these unprecedented times, you may be one of the millions of Americans facing financial difficulties. Creditors hounding you and threatening to take your property can begin to take a toll. While you are making your best effort to satisfy...

Bankruptcy Myths

Bankruptcy Myths Collection agencies and creditors will often call debtors and allege that unsecured debts that have been reduced to judgments and credit card bills are no longer dischargeable in bankruptcy. These and other similar allegations made by debt collectors...

What happens to mortgages in bankruptcy?

What happens to mortgages in bankruptcy? It  depends on which chapter of bankruptcy you file under and what your intentions are. Chapter 7 If you file a chapter 7 and you want to keep the home, you will continue making...

How Often Can I File Bankruptcy?

Repeat Bankruptcy Filings: How Often Can you file? An attorney will look-up your previous bankruptcy filing to verify the date. The timelines start with the date of filing not the date of discharge. Waiting Periods Apply to Discharge First, some...

What if my spouse doesn’t file bankruptcy with me?

What if my spouse doesn’t file bankruptcy with me? It is common for married individuals to file bankruptcy without including their spouse in the petition. An individual bankruptcy will not affect your spouse’s credit. Your credit profile is attached to...

Keep Credit Card After Chapter 7

Keep Credit Card After Chapter 7 If you have a balance on a credit card at the time you file, you must list that debt on your petition. The bankruptcy laws require that you list all your debts even the...

Questions to Ask a Bankruptcy Lawyer

Questions to Ask a Bankruptcy Lawyer One of the first questions many clients ask is, “What is your fee?” This is a fair question. Some attorneys charge a minimum flat rate of $1200 or more for all types of cases...
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