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Filing for bankruptcy can give you a fresh financial start by wiping out most of the debt currently bogging you down. However, you need to get everything right to make the most of the bankruptcy process. Some mistakes could derail your bankruptcy plans, throwing you...
If you pass the means test and qualify for Chapter 7 bankruptcy, deciding to file will not be the last major choice in the process. You will also have to make an important decision about what bankruptcy exemptions you will use. The proper use of bankruptcy exemptions...
A Chapter 7 bankruptcy is a type of bankruptcy that requires liquidation. Any assets that are not exempted or necessary in your life may be liquidated (sold) to pay back the debts you owe. You could lose all kinds of assets in a Chapter 7 bankruptcy, but most people...
You’ve been struggling financially for some time now and the debts are starting to pile up. Maybe you lost your job, had your hours cut or have had to take some time off due to illness. In any case, debt collectors aren’t being very sympathetic. They’ve been calling...
Most people understand that the healthcare system in the United States is incredibly expensive. For a lot of people, the cost is so high that it's prohibitive. They can't get the care that they need because they simply can't afford it, even when they have insurance on...
There are several different kinds of personal bankruptcy. Of all of those options, Chapter 7 bankruptcy is the most restrictive. Only individuals who meet very strict financial requirements can file for Chapter 7 bankruptcy. You have to pass a means test before you...
Income taxes stop for no one. Even after you die, someone will need to file a final income tax return for you. If you recently filed for Chapter 7 bankruptcy, you may wonder how it will affect your income tax filing this year. First, it’s crucial to understand that...
If you want to discharge your student loans through bankruptcy, you need to claim they cause you “undue hardship.” The problem is, no one is sure what that means. Some people have succeeded in persuading a court they are suffering undue hardship and got their loans...
Bankruptcy can help those struggling financially relatively quickly. It can be a powerful debt solution that stops aggressive collection activity and even discharges the amounts you owe on unsecured debts. Despite these benefits, many people enduring financial...
Like a lot of other Americans, you’ve struggled with your finances over the last few years. It seems like the bills keep getting bigger, and your resources keep getting smaller. The only real thing you have of value that you own outright is your car or truck. Should...