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Bankruptcy Discharge
Bankruptcy Discharge The point of filing a bankruptcy, most often, is to discharge debt. What debts are discharged and what debts are not? A bankruptcy discharge means that the legal obligation to pay...
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Bankruptcy Exemptions: Why You Need Them
Bankruptcy Exemptions Like an iron gate protecting an entrance, bankruptcy exemptions protect a debtor’s property against loss in bankruptcy. Theory of Bankruptcy Exemptions In the old days when a...
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Can I Ever Get Credit After Bankruptcy?
Can I Get Credit After Bankruptcy New loans and credit cards may present less of a challenge than you’d think after bankruptcy. But there’s a lot to think about before bankruptcy filers drag themselves...
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Trusts and Bankruptcy: Does A Trust Protect Property in Bankruptcy?
Trusts and Bankruptcy Sometimes people put money in a trust, thinking it’s like a lockbox. Out of reach of liabilities including creditors in a bankruptcy filing. Is that true? Trust as a Lockbox? The...
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Collections Supposed to Stop After Bankruptcy: Computer Did It Defense
Computer Collections Collections are supposed to stop after you file bankruptcy. Bankruptcy law imposes an automatic stay, effectively a federal court injunction ordering credit card companies, bill...
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Homestead Protection: Amounts Covered Vary by State
Homestead Protection Think of “homestead” and you might envision a scenic home representing a historical residence or grand family estate. In the legal world, homestead law protects equity in a home...
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Student Loan Debt: Will Bankruptcy Law Ease?
Student Loan Debt Impact Student loan debt nags at over 44 million Americans facing a total of 1.48 trillion dollars in student loans. 14% owe over $50,000. That holds student loan holders back from...
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FICO Credit Score: New Scoring System Helps Some Borrowers
New Ultra FICO Credit Score FICO credit scores mean everything to anyone applying for a loan. The company behind FICO plans a new way to calculate the score for some in 2019. Whether it’s a credit...
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Surrendering a Car in Bankruptcy: The Best Option For You?
Surrendering a Car in Bankruptcy: One Option Surrendering a car in bankruptcy means you give up the car. But, the chapter 7 surrender also means the loan goes away. People often ask me if they can...
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Before Filing Bankruptcy: What to do, What to Avoid.
What to do Before Filing Bankruptcy Before filing bankruptcy think about taking steps to make sure your case goes smoothly. If all goes well in a chapter 7 bankruptcy, unsecured debt, including typical...
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