Creditors can be relentless and ruthless when it comes to collecting on debts. They use every tool at their disposal, including letters, phone calls, and social media harassment. Can Bankruptcy Stop a Wage Garnishment? Yes, filing a bankruptcy can stop a wage...
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Chapter 13 Bankruptcy
Getting Out of a Vehicle Loan in Bankruptcy
If you look at your ongoing monthly expenses, you vehicle loan is probably up there as one of the big ones. Unfortunately, while your high, fixed car loan payment remains the same for the term of your loan, depreciation causes the value of the vehicle to decrease over...
Protecting Yourself When Your Sole Proprietorship Closes
Your small business represents the culmination of hard work, innovation, and your hopes for a bright future. Unfortunately, taking this risk to make it on your own can come with hiccups. In fact, many small business owners find themselves struggling with debt as part...
Should I Pay Off Debt With My Retirement?
Debt struggles can be an incredible burden on a person's mental and emotional well being. The constant stress of a growing pile of unpaid bills, the ever-rising interest penalties, and your inability to make ends meet can result in a desire to turn off the lights and...
Why Would a Court Deny Bankruptcy Discharge?
No matter what you have read online, the decision to pursue bankruptcy proceedings is a deeply personal one and is not a one-size fit all solution for everyone. In fact, bankruptcy proceedings can be complicated and may not turn out the way you hope. This is why it is...
Understanding Debt Classifications in Bankruptcy
Bankruptcy proceedings are often intense and incredibly complex. For the uninitiated, the terms that attorneys and judges throw around often sound like a different language. Nevertheless, if you are interested in learning more about bankruptcy, it is important to...
Are Medical Bills Dischargeable in Bankruptcy?
Healthcare is expensive, ridiculously expensive. Regardless of how much money you have saved or how solid your finances are, unexpected medical expenses can absolutely devastate your best-laid plans. This is particularly true when you are under-insured or if your...
Your Retirement Plan in Bankruptcy
Trying to overcome debt problems is a hard, emotionally draining process. For many, it seems like a hopeless spiral of missed payments, juggling credit cards, selling treasured possessions, harassing calls from creditors, and growing interest penalties. If you find...
You May Prefer Chapter 13 Bankruptcy Over Chapter 7
One of the greatest things we can learn in life is excellent money management skills. Even if you possess such savvy though, life circumstances may arise that cause extreme financial duress beyond your control. This could be due to unemployment and loss of health...
Why Some Debts Cannot Be Discharged in Chapter 7 or 13 Bankruptcy
If you have found yourself in serious financial distress, you may feel completely helpless-and very alone-at first. As the calls from debt collectors escalate, bills pile up, and your income is not sufficient to pay them, you may finally seek a final solution in...