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People struggling with overwhelming debt have options at their disposal, but not all of these options are equally effective. Many people find that Chapter 7 bankruptcy is the most effective and lasting means of achieving true debt relief. If you are struggling with...
When you file for bankruptcy, the first thing your attorney will probably tell you is to refer all of your creditors to the office. That’s one headache you shouldn’t have anymore. This is why it can be so confusing and frustrating when a creditor pops up again after...
A lot of good people end up filing for bankruptcy. A job loss or illness is all it takes to put people in a pile of debt that they can’t climb out of without some help. Unfortunately, if you don’t understand the practical differences between the types of bankruptcy...
Is it really time to file for personal bankruptcy? Should you try waiting a little longer while you lock away the credit cards and tighten your budget to see if you can get your finances under control? Ultimately, you have to make the decision whether or not to file...
Is it time to declare Chapter 7 bankruptcy? Or, should you pull yourself up by the proverbial bootstraps and tough out the next few years hoping your finances improve? It’s a tough choice, and — ultimately — you’re the only one who can make it. However, that doesn’t...
One of the most common complaints about bankruptcy law is that student loans are specifically excluded from the list of debts that can be discharged. Dischargeable debts, of course, are those that can be wiped out by declaring Chapter 7 or Chapter 11. They are...
If business is no longer booming, it may be time to consider bankruptcy — but first you need to take some time to consider your options. First, take a hard look at your business. Ask yourself the following questions about your business in order to determine if it is...
Are you struggling with insurmountable debt but are worried you will lose everything if you decide to file for bankruptcy? Don’t let your fears stop you from getting the fresh financial start you desperately need – especially since you may be able to keep much of your...
With the New Year quickly approaching, it is a good time to start thinking about possible New Year’s resolutions. However, while many people pick resolutions aimed at improving their physical health – going to the gym, eating better, etc. – you may want to consider a...
Bankruptcy is a hard thing to consider, especially when it is the middle of the holiday season and everybody’s full of good cheer. But is waiting until after the holidays are over really wise? If you’re just putting off the inevitable, it’s a good idea to talk to an...