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You might think filing for Chapter 13 bankruptcy will stop you from taking out any loans for a while. But the process takes from three to five years. Meanwhile, life goes on. At some point, you might need a loan to buy a new house or car, or pay for an expensive...
Chapter 13 bankruptcy is a viable option for those who don't qualify for Chapter 7 bankruptcy or who have valuable personal property that they would like to protect. There is no liquidation requirement in a Chapter 13 filing, which means you don't have to sell off or...
If you’re going to be filing for Chapter 13 bankruptcy before the end of the year, then you’re likely facing some anxiety about the holidays and the expectation of gift-giving and other expenses that come with them. This may be especially true if you have children who...
When people file consumer bankruptcy, many opt to eliminate their debts through a Chapter 7 case. You may have considered this option for the immediate financial relief it could provide. Yet, your income might prevent you from qualifying for it. Or, you might want to...
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...
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...
While filing for Chapter 13 bankruptcy might initially seem like your best option, given that you can keep your house and car, consider carefully the commitment involved. Can you follow through on three to five years of payments? What is your end goal? The truth is...
You’ve tried everything else that you can. The harassing phone calls and foreclosure or repossession threats can take their toll. People often turn to Chapter 13 bankruptcy in this situation to regain control over their debt by repaying their creditors over the next...
The thought of losing your house to foreclosure can be terrifying, but handing over your family’s home through bankruptcy doesn’t sound any better. But with the right bankruptcy filing, you could have the answers you need to set your fears aside. Bankruptcy is a...
Debt can be problematic at any point in life, but it might be especially troublesome during periods of change. Divorce is just one example of this. Women in Florida might be particularly at risk for developing problems with debt after divorce. The factors that...