Helping people with student loan debt can be one of the biggest challenges for a bankruptcy attorney. Technically, student loans can be eliminated in bankruptcy. The reality, however, is much different. In order to discharge student loans, the former student will have to bring a lawsuit in bankruptcy court to show that repaying the debt…Read more
Why Aren’t Payments On My Car Or Home Loan Showing Up On My Credit Report After I Filed Bankruptcy?
One of the things that I talk about at almost every consultation is the issue of reaffirming debts in Chapter 7 bankruptcy. Reaffirmation typically comes up only in relation to secured debts. Examples of secured debts are car loans and mortgages. There are two elements to a secured debt. The first is the promissory note.…Read more
Scam Alert: Fake Collection Notices
Whenever I meet with a potential client, I always ask them what brought them in this particular day. Although many have been thinking about bankruptcy for a long time and have finally gotten around to learning more, some people come into my office because they’ve been served with a lawsuit or been told that their…Read more
How To Calculate Your Household Income When You File Bankruptcy
When you meet with a bankruptcy attorney for the first time, you should be prepared to answer some very personal questions, like how much money you (and your spouse if you’re married) make. Contrary to the rules of common courtesy (and up there with never asking a woman how old she is), that question is…Read more
The One Thing You Should Do Before You Talk To A Bankruptcy Lawyer
Look at your credit report. That’s it. That’s the one thing you should do before you talk to a bankruptcy lawyer. It’s easy and it’s free. All you have to do is go to www.annualcreditreport.com. All three credit bureaus, Experian, Equifax, and TransUnion have to provide one free report per year. That means you can…Read more
Can I Remove My Bankruptcy From My Credit Report?
If you’ve been reading about bankruptcy, you probably know that a Chapter 7 bankruptcy will be on your credit report for 10 years from the date you file. A Chapter 13 bankruptcy will stay on your credit report for seven years. Potential clients are anxious about how long the bankruptcy will stay on their credit…Read more
What Can I Do if a Creditor Tries to Collect a Debt After I File Bankruptcy?
From time to time I will get a call from a former client who tells me that one of the creditors that was listed on their bankruptcy petition has been contacting them, trying to collect the debt. They are frustrated and anxious, worried that something has gone wrong and that they are still liable for…Read more
10 Kinds Of Debts That Chapter 7 Bankruptcy Won’t Get Rid Of
Before you make the decision of whether or not file bankruptcy, particularly Chapter 7 bankruptcy, you should know that you may not be able to get rid of all of your debts. If you file for the sole reason to get rid of those kinds of debts, after your case is closed you may be…Read more
Twelve Types Of Debts Chapter 13 Bankruptcy Won’t Eliminate
Before you decide to file bankruptcy, you should know that there are some kinds of debt that bankruptcy simply won’t eliminate. If you file without first educating yourself, you could be left in the same, or worse, situation as before you filed. While Chapter 13 bankruptcy will get rid of more types of debts than…Read more
How Much Will I Have To Repay My Creditors In A Chapter 13 Bankruptcy?
If you’re considering personal bankruptcy to give you relief from your financial stress, you should know that individuals generally file Chapter 7 or Chapter 13 bankruptcy. Chapter 7 is typically used by people whose income is below the median income for their household size. Chapter 13, on the other hand, is used by people whose…Read more
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