• April 27, 2022

    Can You Pay Student Loans through Chapter 13?

    Student Loans through Chapter 13 Bankruptcy Student loans always seem to have a special status with the law and courts.  The same applies to Chapter 13.   Student loans can be treated in different ways in most Chapter 13 cases.  You may even be able to pay your student loans through Chapter 13. Student Loans are […]

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  • April 6, 2022

    Auto Loan and Bankruptcy

    Can I Get Rid of an Auto Loan and Keep My Car in Bankruptcy? You usually surrender a car in bankruptcy to get rid of a car loan.  Can you instead just get rid of the car loan but keep the car after bankruptcy?   The answer to this is usually “no.”  The car creditor will […]

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  • February 23, 2022

    Tiny House and Filing Bankruptcy

    Getting a Paid-in-Full Tiny House and Filing for Bankruptcy? The growing phenomenon of “tiny houses” is even reaching the realm of bankruptcy.  I have been asked more than once the tiny-home question.  Can I get a tiny house and file for bankruptcy in Indiana?   The answer to this question is “yes.”  You can get a […]

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  • October 13, 2021

    How to Keep Your Paid-In-Full House in Bankruptcy

    You can frequently keep your paid-in-full house in bankruptcy.   However, you may be forced to file a Chapter 13 repayment plan instead of Chapter 7 in some states.  In other states, you may have a high enough residence “exemption” to simply file for Chapter 7.  This residence “exemption” in bankruptcy protects your house and allows […]

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  • June 23, 2021

    Home Equity Loan Instead of Bankruptcy?

    Home equity loans can be a powerful tool for getting out of high-interest credit card debt. Should you get a home equity loan instead of filing for bankruptcy? Be careful and do your research before getting a home equity loan. They are not always a better deal than filing for Chapter 7 bankruptcy of Chapter […]

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  • June 9, 2021

    Debts Not Listed on Credit Reports in Indiana

    Certain debts are not listed on credit reports in Indiana. In fact, these debts will never show up usually in any credit search. Which type of debts do not show up on Indiana credit reports?  They usually are related to either medical bills or local service providers. Medical Bills Do Not Show Up on Credit […]

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  • May 26, 2021

    Bankruptcy Creates Zombie Mortgages

    Zombie mortgages are a new trend showing up in bankruptcy.  Zombie mortgages are second mortgages that a debtor mistakenly believes to have been written off after a Chapter 7 bankruptcy.   People mistakenly believe these mortgages are dead and long gone.  These second mortgages then revive as a “zombie” mortgage when collections start again several years […]

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  • May 12, 2021

    How is Household Size Determined in Bankruptcy?

    The household size in bankruptcy is determined by how many people are living with you.  In bankruptcy, the number in your household can be very important.  It can determine whether you are eligible for Chapter 7 bankruptcy.  If your household size is large, you can make much more money per year and still file Chapter […]

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  • April 7, 2021

    Spending Tax Refund on Car Before Bankruptcy

    Can I Use My Tax Refund to Buy a Car Before Bankruptcy? You can use your tax refund to buy a car before filing bankruptcy.  Having a paid-in-full car can make life much easier.  It can help you make your full recovery after the bankruptcy case is filed. Make Sure the Car Fits Within Your […]

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  • January 20, 2021

    COVID-19 Medical Bills

    Filing Bankruptcy on COVID-19 Medical Bills Medical bills for a hospital stay can come back in the tens of thousands.   A hospital stay for COVID-19 can create large bills that are not always covered fully from insurance or the government.   You can, however, file on medical bills related to COVID-19. COVID-19 Medical Bills can be […]

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