July 15, 2026
You can use a Chapter 13 case to pay your car in the plan. This can help you get up-to-date on your payments. It can also lower your payments sometimes. You must always have insurance during your case. An automobile creditor can stop a chapter 13 case if you do not have insurance. https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-13-bankruptcy-basics How […]
June 8, 2026
When you file for bankruptcy, you must present an accurate picture of your financial affairs. This includes a financial picture of your real estate. Bankruptcy requires a comparative market analysis because this is the most accurate way to show its current value. You can usually get a comparative market analysis for free by contacting a […]
April 14, 2026
Chapter 7 is an extremely powerful way of dealing with debt. Can it shut down a divorce settlement agreement? Generally, the answer is “no.” However, Chapter 7 can sometimes shut down or prevent the execution of some property settlement agreements. The Discharge May not Apply to Such Agreements The discharge in Chapter 7 has been […]
March 17, 2026
It is generally safe to not pay student loans during Chapter 13. You can always attempt to stop paying student loans during Chapter 13. It usually works because the student loan companies keep their loans in the protected Chapter 13 status. They will not usually attempt collection. Although it is generally “safe” to try to […]
February 11, 2026
Chapter 7 is very powerful. Officially at least, Chapter 7 still cannot stop fraud claims. This is due to an “exception” to discharge that protects against getting rid of fraud claims. However, with prompt timing and planning, Chapter 7 may be able to stop a fraud claim from materializing in some situations. In other cases, […]
November 12, 2025
If you plan to file bankruptcy, understanding bank response to bankruptcy filings is essential. Many people think that filing bankruptcy will ruin their ability to keep bank accounts at all. They also believe they will ruin their opportunity for financing future purchases. However, filing a chapter 7 does not always result in a negative reaction […]
January 17, 2024
Can you keep your work tools in bankruptcy? Yes, work tools in bankruptcy – you can protect them in Chapter 7. However, it is important to analyze the value of your work tools versus your state’s available “exemption.” Exemptions Let You Keep Work Stuff in Bankruptcy Exemptions will usually protect your work tools through a […]
September 27, 2023
Zoom Bankruptcy Meeting of Creditor Under Section 341 Zoom is emerging as the new standard for use in bankruptcy filings. Zoom bankruptcy meeting of creditors will now be standard for all Chapter 7 and Chapter 13 cases. Almost all bankruptcy meeting of creditors in the past were held in-person. Previously, these bankruptcy meetings were held […]
June 28, 2023
Sometimes eviction cases do not disappear after filing for bankruptcy. Although bankruptcy is supposed to clear your credit, eviction cases can sometimes still be seen by landlords when you go to rent a new place. It usually depends on how the company researches your past. Some Landlords Do Not Count Evictions After Bankruptcy Depending on […]
June 14, 2023
Is Debt Consolidation a Scam? Debt consolidation companies claim to help people pay off their debts while maintaining their credit score. Sounds too good to be true, right? That’s because it is. Debt consolidation companies often use deceptive practices to lure in people who are struggling financially and looking for a way out. Instead, they […]
