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Chapter 13 Bankruptcy

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Study Shows Medical Debt Can Affect Your Health

Study Shows Medical Debt Can Affect Your Health

Most people have noticed that when one thing goes wrong, several other things invariably follow. There’s even a common expression describing the experience: “When it rains, it pours.” Unfortunately, medical debt is no exception. It can easily precipitate a resulting series of unfortunate events, one of them (ironically) being poor health. This is more than … Read More

How Long Will Chapter 13 Delay Foreclosure?

How Long Will Chapter 13 Delay Foreclosure?

Declaring bankruptcy can be incredibly daunting, but sometimes it’s the best option for moving forward to financial freedom. This is especially the case if you’re behind on your mortgage payments. Although sometimes borrowers can receive a forbearance or work out a repayment plan with their lenders, many are unable to reach this agreement, meaning they’re … Read More

The Dangers of Hiding Assets in a No Asset Bankruptcy

The Dangers of Hiding Assets in a No Asset Bankruptcy

There are two primary types of bankruptcies that a person might file when struggling to pay their debts: Chapter 7 and Chapter 13. In a Chapter 13 bankruptcy, the debtor agrees to a payment plan instead of having their property taken to pay creditors. In contrast, in a Chapter 7 bankruptcy, the bankruptcy trustee will … Read More

Can You Convert Chapter 13 to Chapter 7?

Can You Convert Chapter 13 to Chapter 7?

No matter who you are, bankruptcy can be an incredibly stressful process—but it doesn’t have to be. We understand what it’s like to be drowning in your finances and are here to help. One question we get a lot from many of our clients when they are filing for bankruptcy or have already filed is, “Can … Read More

Should I Max Out My Credit Cards Before Filing for Bankruptcy?

Should I Max Out My Credit Cards Before Filing for Bankruptcy?

Debtors who run their credit card balances up before they file for bankruptcy could suffer consequences. Primarily, it could result in your debt becoming ineligible for discharge, which is often the whole point of filing for bankruptcy. So in many cases, running your credit card debt up is not worth it.  To fully understand how … Read More

Can I Discharge a Private Student Loan in Bankruptcy?

Can I Discharge a Private Student Loan in Bankruptcy?

The majority of people in Indiana who have thought about declaring bankruptcy likely already know how challenging it is to get student loans erased. Although it is not impossible, debtors normally need to pass the Brunner test, which establishes that repaying the student loans will put them in an unreasonably difficult position. Unfortunately, it is … Read More

What Is a Personal Guarantee in Bankruptcy?

What Is a Personal Guarantee in Bankruptcy?

A common question we receive from those considering bankruptcy is how it impacts personal guarantees. Some situations in which someone may sign a personal guarantee before filing bankruptcy include assisting a friend or family member in receiving a loan, and a business owner may sign a personal guarantee in order to secure funds for their … Read More

What You Need to Know if You Are Retired and Filing for Bankruptcy

What You Need to Know if You Are Retired and Filing for Bankruptcy

Retirement is meant to be a time when you can finally relax and do the things you want without having to worry about earning an income and paying your bills. Unfortunately, with the cost of living and other expenses skyrocketing today, more and more retirees are finding it difficult to get by on their social … Read More

Can I Pay Off My Chapter 13 Bankruptcy Plan Early

Can I Pay Off My Chapter 13 Bankruptcy Plan Early

Most people enter into bankruptcy because they are experiencing financial hardship. However, though a person can be struggling at the time they file, this does not mean it isn’t possible for their financial situation to greatly improve while they are still paying off their Chapter 13 bankruptcy plan.  If you do find yourself having more … Read More

What Happens to Investment Real Estate in Bankruptcy?

What Happens to Investment Real Estate in Bankruptcy?

Filing for bankruptcy is an important step for many individuals looking to overcome debts. Many people considering this option wonder what will happen to their investment real estate if they file. Your investment real estate’s outcome depends entirely on whether you file for Chapter 7 or Chapter 13 bankruptcy. Investment Real Estate in Chapter 7 … Read More

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