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Many people feel responsible for meeting their financial obligations and view bankruptcy as a necessary evil, and only as a last option. However, most people who accrue overwhelming debts do so through no fault of their own. Massive medical debt is responsible for...
When you struggle with debt, it can be difficult to escape the thought of that burden. Persistent collections attempts from creditors can make that even worse. You may find written demands in your mailbox or email inbox. The messages on your phone may be filled with...
Each year, thousands of Americans turn to bankruptcy to help them get out from under overwhelming debt and a perilous financial future. Whether choosing Chapter 7 or Chapter 13, these individuals can work to eliminate a significant portion of their unsecured debt. It...
Misconceptions about bankruptcy abound. A common one is that you will lose your vehicle during proceedings to repay your creditors. Even if you’re in dire financial straits, this concern may make you hesitant to file. While some people do forfeit their vehicle during...
When you have reached a point in your finances where you believe bankruptcy is among your most viable options, you will likely consider chapter 7 bankruptcy. Chapter 7 bankruptcy involves the selling off of significant assets in order to pay off creditors. However, to...
A common question that people thinking about filing for bankruptcy have is, "Will I ever be able to take out a loan again?" Specifically, they worry that they will not get approved for a mortgage with a bankruptcy on their records. Will they be stuck in their current...
Personal bankruptcy can eliminate or reduce many types of debts. But generally, student loans are among them. Bankruptcy law makes it very difficult to cancel student loans, except in cases where the debtor is experiencing severe financial hardship. Because student...
Bankruptcy laws exist to give U.S. citizens a second chance. Too often, the timing of a few unfortunate events can have devastating consequences. A person could lose their job then get injured in a car accident the next day — in many of these situations, bankruptcy is...