Bankruptcy without losing house and car

Many people wonder if they can file for bankruptcy without losing their house and car.  This can be a loaded question since there are so many different kinds of bankruptcy with a number of different options.  The simple answer is YES but with all things in the law its qualified.  Typically cars with little or… Continue reading Bankruptcy without losing house and car

Why bankruptcy is the best option

Bankruptcy helps people who can no longer pay their debts on their own get a fresh start by liquidating their assets to be able to pay their debts or by creating a repayment plan.  These are called Chapter 7 bankruptcy and Chapter 13 bankruptcy respectively. Filing for bankruptcy will in most cases prevent your creditors… Continue reading Why bankruptcy is the best option

Why bankruptcy is important

Ever wonder why do we have bankruptcy and why it’s important?  Bankruptcy is important because it is one of the few tools we have to free ourselves from financial enslavement. People who cannot work freely are unproductive yet when debtors become liberated from their debts they usually once again become productive and functional to society. … Continue reading Why bankruptcy is important

Bankruptcy can be hard on so many levels

Bancruptcy, Bankrupse, Bankrupcie, Bankrupsy, Bankrutpcy, Bankrupsie, Bankruptcse, Bankraptcy, Bancruptsty, Bankrupsy, Bakruptcy, Bankrupty, Bankrupcy, Bancrutpcy Recently an attorney friend of mine commented about the sign at the hearing location we were attending had misspelled the word “bankruptcy”. Bankruptcy can be a hard word to spell.  So I decided to start to keep a list of the many ways that I… Continue reading Bankruptcy can be hard on so many levels

Why declare bankruptcy

There are several indicators that its is a good idea to declare bankruptcy. Why declare bankruptcy? For example when you’re paying for every day necessities with a credit card, your interest rates are rising because of missed payments, one credit card is paying off debt of another credit card, you have multiple jobs and it… Continue reading Why declare bankruptcy

Bankruptcy dismissal vs discharge

There appears to be a lot of confusion out there about what is actually a bankruptcy dismissal vs discharge.  These are two very different things and you should understand both of them. When you are a debtor you do not want a dismissal of your case.  A bankruptcy dismissal will closed your case in fact… Continue reading Bankruptcy dismissal vs discharge

Bankruptcy when you own a home

Most of the time when you are thinking about bankruptcy it comes at a stressful point in your life.  One of the principal worries is probably if you’ll be able to keep your home or not. This will depend on several factors including the type of bankruptcy you file. The good news is that with… Continue reading Bankruptcy when you own a home

Which bankruptcy is the worst

This is an interesting question.  Worst in what way? This is my first come back to such a question since if your are a creditor you probably think all bankruptcy is bad (if you are a creditor read about Chapter 13 – it is actually good for creditors).  If you are a debtor, I take… Continue reading Which bankruptcy is the worst

Where to get bankruptcy discharge papers

Once your bankruptcy case concludes, you will receive what is known as a bankruptcy discharge which states that all dischargeable debts are no longer enforceable. Creditors whose debts are discharged in the petition can no longer contact you about your debt or file any legal proceedings against you. It is very important to keep this… Continue reading Where to get bankruptcy discharge papers

Bankruptcy when you own a house

Many people want to know if they file bankruptcy what will happen to their house.  The treatment of your house in bankruptcy will be different depending  on which type of bankruptcy you end up filing. There are a number of types of bankruptcy.  The type of bankruptcy you file can be tricky decision and any… Continue reading Bankruptcy when you own a house