Both Chapter 7 and Chapter 13 can help you save your home. Which one is better for YOU? You’ve probably heard that filing a bankruptcy stops a foreclosure. You may have also heard that Chapter 13—the repayment version of bankruptcy—can be a good tool for saving your home in the long run. Both statements are […]
You can’t be sure that filing a bankruptcy will immediately stop every act against you by all of your creditors. Or can you? Isn’t one of the most important benefits of filing for bankruptcy that it puts a screeching halt to all collection efforts against you and your property? Yes. And in most cases it […]
In my last blog I gave you the first five of ten ways that Chapter 13 allows you to keep your home. Here are the other five. 6. If you need to sell your home, Chapter 13 usually gives you much more time to do so than Chapter 7. More time means more market exposure, […]
In my experience the number one reason people choose to file Chapter 13 instead of Chapter 7 is to save their home. And it’s not just because Chapter 13 gives you a bigger hammer against your mortgage company; It gives you a hammer, but also a whole bunch of other tools. Some are more subtle […]
You may want the fast fresh start of a Chapter 7 case, but sometimes your circumstances scream out for a Chapter 13 instead. It’s true—for some people Chapter 13 provides tremendous tools not available under Chapter 7. Now all you have to do is qualify for it. Qualifying for Chapter 13 is completely different than […]
Not everyone who wants to file a Chapter 7 “straight bankruptcy” can do so. But most can. There’s probably no topic that causes more confusion to people thinking about filing bankruptcy –do they qualify? Let me set the record straight. 1. Inaccurate publicity: Many people think it’s difficult to qualify for filing bankruptcy because of […]
Picking the right Chapter to use to file your bankruptcy case can be simple or very, very difficult. And appearances can be deceiving. First take a look at this video I recorded about the basic differences between Chapter 7 and Chapter 13. A situation that seems at first to call for an obvious choice can turn […]
Hiring a Bankruptcy Lawyer can be very confusing since there are so many lawyers claiming to be the “best” bankruptcy lawyer for you. So, how do you decide who to hire? Everybody is different. We all have our own likes and dislikes. When it comes to hiring a lawyer to help you with your bankruptcy […]
If you call me and ask if you “qualify” to file bankruptcy, one of the first questions I’ll ask is: “Have you ever filed for bankruptcy in the past?” How you answer that question is the first step in determining whether you will be able to receive a discharge if you file for bankruptcy now. […]
Back in 2005, Congress made some dramatic (some would say terrible) changes to the Bankruptcy Law. There was quite a bit of news coverage about the changes and how they would make it harder for people to file bankruptcy. Most of the news coverage was pretty superficial, leaving many people with the impression that, effective October […]
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