When you file for bankruptcy you are petitioning the US court system to assist you in resolving your financial woes. This is one of the many rights afforded to you as a US citizen. Unfortunately, some people view the bankruptcy process as an opportunity to not only discharge their debts, but to walk away from […]
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You invested a lot of time and effort in choosing your home and then making it your own. That’s why it’s so difficult to imagine not being able to live there because you have to declare bankruptcy. But petitioning for bankruptcy doesn’t mean you’ll lose your home, especially if you file for Chapter 13 –
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Having missed mortgage payments is not something most people expect to have happen when they first buy their home. In fact, nobody ever signs up for a mortgage thinking they’ll ever miss a payment. But even more worrying is the fact that you might be facing foreclosure on your home in the near future because
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Having to even consider declaring bankruptcy will cause the average person a lot of stress. After all, nobody likes the idea of their financial mismanagement being exposed to their friends and family. The idea of then losing your car to repossession is probably more than you can take. So, can declaring bankruptcy help you when
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Having to deal with foreclosure on one property is harrowing enough, but how do you deal with foreclosures on multiple private residences? The process is actually very similar, because each residence is treated as a separate asset under the law, despite the fact that you obviously have full or part ownership in all of them.
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Some of you might wonder why so many American citizens are carrying so much debt, and the answer to that question is remarkably simple. You need only look at the education system to see that of all the skills children and young adults learn, personal finances very rarely figure in that equation. What this invariably
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The first point of discussion here is that filing for bankruptcy does not guarantee you a discharge of your debts. The court needs to review each case individually to prevent any form of bankruptcy fraud or preference actions. If you file for a Chapter 7 bankruptcy this will eliminate your legal responsibility to repay unsecured
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Unforeseen unemployment is one of the main reasons people file for bankruptcy, with unpaid medical bills coming in a very close second place. Very few people volunteer to be unemployed, and especially not if they have a lot of personal debt. Becoming Unemployed What typically happens is that a person loses their job, and then
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Finding yourself in financial trouble can be a bitter pill to swallow. There’s a lot of personal shame involved, and then there’s the perception that you’re not able to manage your money properly. After all, you don’t want your personal affairs made public, with people you barely know asking you about your financial status. So,
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There’s no feeling quite like trying to use your card at an ATM or in a store, only to be told they can’t accept it. It’s embarrassing, frustrating, and a real sign that your finances aren’t quite where you thought they were. In fact, you probably have no idea where all your money went. So,
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