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When filing for Chapter 7 bankruptcy, most debts are discharged, providing a fresh financial start. However, some choose to sign a reaffirmation agreement – a voluntary contract to continue paying a debt even after bankruptcy. These agreements are most often used for...
One common misconception that people have about bankruptcy is simply that it is their own fault. In fact, this can become very problematic. Some people will blame themselves and feel guilty about filing for bankruptcy in the first place, causing them to avoid using...
A cancer diagnosis leads to many major challenges. The treatments recommended for cancer are often invasive and even painful. People may undergo chemotherapy and radiation, both of which can cause debilitating secondary symptoms. Others may require surgery or...
People in need of bankruptcy relief often need support as soon as possible. The decision to file for bankruptcy often comes on the heels of creditors filing a lawsuit. Homes and vehicles are the collateral for the loans used to purchase them, and people are at risk of...
Executory contracts present complex challenges during bankruptcy proceedings that can significantly impact your case outcome. Understanding how executory contracts work in bankruptcy becomes crucial for making informed decisions about your financial future. The wrong...
For those facing overwhelming debt that’s affecting their ability to make their mortgage payments, the fear of losing their home to foreclosure can loom large. There are potential options that can help homeowners avoid foreclosure. Lenders would rather not foreclose...
Dreading hearing your phone ring or checking the mail because you’re afraid of creditors demanding money can be a harrowing experience. The stress and anxiety that you feel because of these constant efforts can make your life seem more difficult than it should be....
Filing for bankruptcy may feel like a major financial setback, but it also offers a fresh start. The impact of bankruptcy on your credit is one of the most common concerns. Whether you file for Chapter 7 or Chapter 13 bankruptcy, your credit score will drop; however,...
The bankruptcy code offers powerful relief from overwhelming debt, but exceptions exist—some by choice. When creditors present reaffirmation agreements, they ask you to voluntarily surrender certain bankruptcy protections. Accepting this agreement can create risks to...
Dealing with debt can be stressful, but it should not involve harassment from creditors. Understanding what constitutes creditor harassment and how to protect yourself is crucial. What are common forms of creditor harassment? Creditor harassment can take various...