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Bankruptcy

Declaring bankruptcy is never an easy decision to make, but sometimes it’s the only path available to regain financial control when you find yourself in a hole. We offer the latest new in bankruptcy regulation, plus give you helpful advice on how you can (and can’t) use bankruptcy to get out of debt so you can finally move forward again.

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  • Does Bankruptcy Clear Tax Debt?

    Does Bankruptcy Clear Tax Debt?

    Unpaid tax debt is unique, even when it comes to bankruptcy. While it is possible for IRS or state tax debt to be discharged, that only happens in certain circumstances. …

  • How Long Does It Take to File for Bankruptcy?

    How Long Does It Take to File for Bankruptcy?

    Considering bankruptcy is a significant decision that comes with its own set of questions and uncertainties. One of the most pressing questions is likely about time: How long will it…

  • Pre-Bankruptcy Credit Counseling

    Pre-Bankruptcy Credit Counseling

    What is pre-bankruptcy credit counseling? The Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005 added a requirement for all personal bankruptcy filings. It states that the filer must…

  • Can I Still Get Credit Cards or a Loan After Bankruptcy?

    Can I Still Get Credit Cards or a Loan After Bankruptcy?

    It can feel like it will take forever to rebuild your credit after you file for bankruptcy. The credit report notation for Chapter 7 bankruptcy sticks around for 10 years,…

  • How to Deal with Credit Card Debt in Bankruptcy

    How to Deal with Credit Card Debt in Bankruptcy

    Realizing that you cannot pay off credit card debt can be gut-wrenching. Minimum payments go mostly towards covering accrued monthly interest charges, while the principal barely gets touched. You have…

  • Choosing a Bankruptcy Attorney for Your Case

    Choosing a Bankruptcy Attorney for Your Case

    You’ve run into a financial jam. You’re looking at all your debt relief options and trying to decide how to tackle your problem. What should you do? A classic mistake…

  • Chapter 13 Bankruptcy

    Chapter 13 Bankruptcy

    Most people think bankruptcy is all about liquidating assets to pay back your debts before the remaining balances are discharged. However, a Chapter 13 bankruptcy is about creating a court-ordered…

  • Chapter 12 Bankruptcy

    Chapter 12 Bankruptcy

    Chapter 12 bankruptcy was created specifically for family farming and fishing operations. As the pandemic raged in early 2020, the number of Chapter 12 filings actually went down because of…

  • Chapter 7 Bankruptcy

    Chapter 7 Bankruptcy

    Filing for bankruptcy can offer a fresh financial start once when other options for debt relief aren’t doing the job. It allows you to discharge all or most of your…

  • Chapter 11 Bankruptcy

    Chapter 11 Bankruptcy

    Chapter 11 bankruptcy is also known as “reorganization bankruptcy.” It can also be called “business bankruptcy” because it’s primarily meant for businesses, including small businesses, sole proprietorships and partnerships. However,…

  • A Beginner’s Guide to Bankruptcy and Homestead Exemptions

    A Beginner’s Guide to Bankruptcy and Homestead Exemptions

    A common fear in filing for bankruptcy is that you will lose everything in exchange for discharging your debt. However, the reality is that even with Chapter 7, where assets…

  • What You Need to Know About Nondischargeable Debt

    What You Need to Know About Nondischargeable Debt

    We get it, life throws curveballs, and sometimes the bills just pile up. Bankruptcy can be that life raft you’ve been searching for, a way to hit the financial “reset”…

  • The Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA): Know Your Bankruptcy Rights

    The Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA): Know Your Bankruptcy Rights

    The Bankruptcy Abuse Prevention and Consumer Protection Act is the main piece of legislation the sets the process when you file for personal bankruptcy. Set in 2005, it overhauled the…

  • How to Keep My Home During Bankruptcy

    How to Keep My Home During Bankruptcy

    Filing for Chapter 7 or Chapter 13 doesn’t have to mean losing where you live. Here’s how to keep your home during bankruptcy.

  • Bankruptcy

    Bankruptcy

    Filing for bankruptcy is never an easy decision, but sometimes it’s the right one. And while it will have a serious impact on your credit if you decide to file,…