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LIBRARY

Garnishments and Bank Levies

Garnishments and Bank Levies Garnishments and bank levies are often times one of the pushing forces making people to finally take the plunge file bankruptcy. You may have considered bankruptcy in the past. Maybe you have even met with bankruptcy attorneys. Some people have even retained a bankruptcy attorney and possibly already begun working on […]
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Redemption

Someone told me that I can file a Chapter 7 and get a new car loan for the value of my car instead of paying back my current loan balance There is a program known as redemption. Redemption is a great option for a lot a people after a bankruptcy. A usual situation is that […]
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Preference Claims from the Debtors Point of View

Preference Claims from the Debtors Point of View How preference claims are handled is always a surprise to clients. Your daughter loans you $2000 and you pay her back with your tax refund right before you file bankruptcy. Good thing you paid her back right? Wrong. 11 USC §547 defines preferences and how they are […]
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Can I leave some creditors off of my bankruptcy?

Can I leave some creditors off of my bankruptcy? No. Any creditor whom you owe a balance to must be listed on the petition. Does this mean you should go pay off all the credit cards that you want to keep? No. Even with a $0.00 balance the credit card companies will likely close your […]
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Preference Claims from the Creditors Point of View

Preference Claims from the Creditors Point of View Preference claims and how they are handled can come as a surprise to many creditors. You receive money for services or goods that you provided and then the customer files bankruptcy. That should have no effect on your right? Wrong. 11 USC §547 defines preferences and how […]
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Consumer or Business Debt

Are income tax liabilities consumer debt? In a Chapter 7 or Chapter 13 bankruptcy the means test is not required it more than 50% of the debt is non-consumer debt. Usually this is not the case because a mortgage is considered consumer debt so even if someone has substantial non-consumer debt, their mortgage loan outweighs […]
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Credit Report Disputes

Credit Scores and Disputes Your credit score is important. It can effect whether you are denied credit for a home or car loan, can cause higher interest rates, effects auto insurance prices and can even effect whether you will be hired for a job. Given that it can affect some many everyday things, it is […]
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Considering Bankruptcy

Considering filing bankruptcy? Things to know… If you are considering filing bankruptcy there is some general information that you should consider and make yourself aware of: What is a bankruptcy What types of bankruptcy are there Eligibility for bankruptcy Debts that are not discharged in bankruptcy What is bankruptcy? Bankruptcy can do several things for […]
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