After you file for bankruptcy, one of the most important things you can do for yourself is to start working on better spending habits. After all, if you file for bankruptcy and do not address any of the underlying issues that caused it, you may fall back into debt. In...
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Chapter 13 Bankruptcy
Is this misrepresentation or harassment?
Debt collectors often use whatever means they have on hand to try getting what they need out of you. Unfortunately, this has a history of crossing lines, which is why the Fair Debt Collection Practices Act (FDCPA) exists. But debt collectors to this day continue to...
What you should know about credit counseling before bankruptcy
By law, you must obtain credit counseling before you file for Chapter 7, Chapter 11, Chapter 12 or Chapter 13 bankruptcy. The U.S. Bankruptcy Code mandates this for all individuals who file bankruptcy, even if the majority of your debts relate to your business. Per...
How do you avoid falling back into credit card debt?
While paying back your debt, it is important to avoid the habits and issues that got you into debt in the first place. Otherwise, you risk falling right back into the same trap even after you pay everything off. You can start by adjusting how you use your credit card....
Do you have obligations as a Chapter 13 bankruptcy filer?
Dealing with debt often feels like a heavy burden. Fortunately, you can have guidance every step of the way if you decide to file for bankruptcy. This allows you to focus on important things, like fulfilling your obligations under Chapter 13 bankruptcy. But what are...
Establishing good credit after a Chapter 13 bankruptcy
A Chapter 13 bankruptcy not only offers a consumer relief from a mound of debt but also the opportunity to re-establish a positive financial life. A strong credit score contributes to the strength of a personal's financial health. A person should focus consciously on...
What is the reason for attending the 341 meeting?
If you have decided to file for personal bankruptcy protection, one of the first stops on the journey to resolve your debts will be the 341 meeting. You may not have heard of this meeting, but here you will learn more about the administration of your bankruptcy...
What is the Chapter 13 hardship discharge?
Filing for Chapter 13 bankruptcy allows you to deal with your debt in two ways, by coming up with a reorganization plan to pay off some of your debts while a bankruptcy judge discharges the rest, relieving you of the obligation to pay it. You might wonder, however,...
Temporary Changes in Bankruptcy Law Due to COVID-19
In March of 2020, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) was passed, with a historic $2.2 trillion of economic stimulus aide, to try to offset the social and economic damage inflicted by COVID-19. Along with so many other changes for most...
Business Bankruptcy Alternatives
If your business is currently facing financial difficulties that it cannot handle on its own, it may be time to consult a corporate bankruptcy lawyer. While bankruptcy will have a significant impact on your business, it may be the only way to move forward. Types of...