When you file for Chapter 13 bankruptcy, you will create a repayment plan for your debts. This is a legal tool that enables you to get out of debt. The repayment plan works, in some ways, like a short-term consolidation loan. It helps you restructure your debts for...
Realizing that you have too many debts and not enough income is a tough position to be in. You may consider filing for bankruptcy if you’re in that spot. Some people will file Chapter 13 bankruptcy, which is informally known as a wage earner’s bankruptcy. In a...
Most individuals considering bankruptcy will either file for Chapter 7 or Chapter 13 bankruptcy. Those with income low enough to pass the Tennessee means test given their household size may consider Chapter 7 proceedings because they are fast and relatively effective...
When you make the decision to file for bankruptcy, you are doing so because you need relief from debt. The last thing you want during these financially-challenging times is the rejection of your claim. Unfortunately, it is not unusual for the court to decline a...
There are all kinds of pitfalls associated with being in financial disarray, including getting bothered incessantly by their creditors. The harassment can seem never-ending. You may feel like you are trapped in a miserable situation. You do have protection from this...
People who are considering bankruptcy usually have a lot of emotions going into the process. They may feel relieved that they will finally be on top of their finances, but they may also feel like they let the creditors down because they can’t pay them. Some...
The decision to declare bankruptcy is one that you should never take lightly. Before making this decision, it is important to understand the right type of bankruptcy for you. Most people file either Chapter 7 or Chapter 13 bankruptcy. Each type of bankruptcy serves...
Now that you have survived your Chapter 7 bankruptcy, you probably plan to rebuild your credit and improve your credit score. If you take the wrong approach to this goal, you could end up in the same situation you were in before your bankruptcy filing. You can file a...
When you look at your financial situation and all you’ve done to try to correct it, you do feel like bankruptcy may be your only option. If you’re holding off on bankruptcy because you’re worried about who will be able to find out about it, then that might not be a...
There are many misconceptions that circulate about financial hardship and bankruptcy. Some people form the opinion that careless spending is to blame. Others accuse people of not working hard enough. The reality is much different though, and anyone can fall on hard...
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