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December 2013 Archives

Start Your New Year with a Financial Fresh Start

As 2014 approaches, you are probably thinking about your New Year's resolutions. This year, instead of saying you will lose weight, consider making a resolution to lose your debt! When you file a Chapter 7 or Chapter 13, you are able to eliminate the majority of your debt. Just think, you could start 2014 with:

How to Eliminate Judgment Liens on Your Home

If you have been unable to pay your bills and creditors have obtained judgments against you, it is likely that you have judgment liens place against your home. A creditor places a judgment lien against your home to help ensure that the creditor gets paid what it is owed. The lien allows the creditor to be paid from the proceeds if you sell your home. If you are interested in removing the judgment liens from your real property, filing bankruptcy may be a good option.

Avoid Common Blunders in Bankruptcy

Filing for bankruptcy protection is an important decision. You want to make sure you do it right and obtain a discharge order that eliminates the majority of your debt. If you fail to follow the law or proper court procedure, your case can be dismissed without you obtaining your discharge of debt, which is a waste of time and money.

Which Comes First - Bankruptcy or Marriage?

If you are planning to get married but you have burdensome debt, it is important to consider whether you should eliminate your debt before you get married. Of course, you should openly discuss your finances with your fiancé, but you should also seek the advice and guidance of a bankruptcy lawyer. Why is timing your bankruptcy and your wedding day important? When you file a Chapter 7 or Chapter 13, you can eliminate the majority of your debt, allowing you to start your life as a married couple with a fresh financial start. You can remove your liability to pay credit card bills, medical bills and many other types of debt.

Considering Bankruptcy? What's holding you back?

During the holiday season, many people are acutely aware of their finances. If you are struggling to make ends meet and you have considered filing for bankruptcy protection, it might be time to take action. Most people admit that dreading filing was much more difficult than actually doing it! If you are procrastinating filing a Chapter 7 or Chapter 13, it is important to consider what is stopping you from taking the next step.

All I Want for Christmas Is......DEBT RELIEF!

Christmas is time when you want to focus on family. While you may be worried about your finances, you also want to your loved ones to get gifts they want. This holiday season, maybe the best present you could give to your family is obtaining a fresh financial start?

What You Need to Know About Bankruptcy Retainer Agreements

When you decide to file a Chapter 7 or Chapter 13 bankruptcy, your attorney will have you review and sign a retainer agreement. The law requires the lawyer to provide this agreement so you are fully informed regarding the relationship between you and the law firm. The contract should outline all of the legal services to be provided by the lawyer and what services are not included in the representation. What else will the retainer agreement provide? It should:

Social Security Benefits in Bankruptcy: 4 Things You Need to Know

If you are planning to file a bankruptcy case and you receive social security benefits, it is important to confer with your attorney about it. However, in most cases, social security benefits are better protected in a bankruptcy case than outside of it. Why is this? Before you file for bankruptcy, you may have a small amount of money left over after paying for your basic living expenses. Creditors may try to force you to use this small sum to pay them. This does not happen when you file a Chapter 7 or Chapter 13 case. When you file for bankruptcy:

How to Prevent Delays in Your Bankruptcy Case

If you are considering filing a Chapter 7 or Chapter 13 case, you are probably concerned about how long it will take. Most Chapter 7 filings take four to six months and a typically Chapter 13 case lasts three to five years. In order to prevent delays in your bankruptcy, below are few helpful tips:

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