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- Feb 26
FYI- Part I
The bankruptcy qualification process starts with a “means test” which is based on your income and monthly expenses. While everyone qualifies under Chapter 13, this test helps ensure that only people who genuinely cannot afford their debts can file for Chapter 7. In addition, you must attend approved credit counseling within 180 days before you file bankruptcy. #fyi #bankruptcy
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- Feb 26
Clarity
There seems to be a misunderstanding about bankruptcy and what you will lose in the process. While it really depends on which chapter of bankruptcy you are filing for, one thing is clear: you will not lose everything you own. Some people imagine that once you file for bankruptcy, everything will be taken from you including your home, car and any valuable possessions. There are exemptions applied to your assets which protect your assets up to a certain dollar amount depending
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- Feb 26
Cleaning Up Your Credit- Part I
Although a bankruptcy will show on your credit file for about 10 years, your credit may improve earlier and you may even be approved for credit offers or loans within a couple of months. The key is to be responsible with the credit you do have. First: you should get a copy of your credit report from each of the 3 credit bureaus(Experian, TransUnion and Equifax) and make sure that your bankruptcy is listed correctly. For each account that was discharged, there should be a “BK”
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- Feb 26
Bankruptcy and Your Credit
Many people see bankruptcy as the worst possible thing that could affect their credit. They believe once they file, they will never be able to buy a home, finance a car or obtain a credit ever again. While bankruptcy does leave a temporary black mark on your credit file, it will not prevent you from ever obtaining credit again. First of all, think about your current financial position; if you are paying bills late or missing them altogether, your credit score is already suffe
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- Feb 26
You Don't Have To File With Your Spouse
Another common misunderstanding of bankruptcy is that if you are married, both spouses must file for bankruptcy together. For the majority of bankruptcy cases, the legal system does not require both spouses to file together; although, there are certain circumstances where it would be beneficial. For example, if both spouses have accounts or loans that they are struggling with, it may make more sense for both to file and alleviate their debt. However, if the delinquent account
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- Feb 26
The Right Path
Everyone has a different opinion on bankruptcy; some people see it as a way out of a hopeless situation; some people see it as a way to give them a step above water and others see it as a way to get around the system. If you are considering filing for bankruptcy, you may be wondering if it is immoral, unethical or just plain wrong. The justice system has determined that there is a valid need for bankruptcy and has provided us with a way to help dig ourselves out of a hopeless
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- Feb 26
Bankruptcy Questions?
There are many circumstances that could leave you in a tough financial position and made you wonder at least once before if bankruptcy is right for you. The truth is, bankruptcy isn’t a simple fix and it is not for everyone but if you are in the right situation, it can help to lift a tremendous burden off of your shoulders. However, if you have reached the point where your credit card bills’ minimum payments and monthly expenses exceed your take home income, then there is a
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