When you are struggling to pay your bills, there may come a point where you are faced with deciding between bankruptcy vs foreclosure. Which decision you make or which one is the best decision can depend on your individual circumstances. If you choose bankruptcy, there are also different options depending on whether you choose a … Read More
People file for bankruptcy for any number of reasons, from job loss to unpaid medical bills to an unaffordable mortgage. If you’re considering filing for bankruptcy, you’re not alone; roughly 375,000 people filed for bankruptcy in 2022, and home foreclosure filings rose 115% in 2022 over the number of foreclosures in 2021. To many people, … Read More
What is Bankruptcy? Bankruptcy is an opportunity for someone to forge their way through what seems like an impossible debt-ridden situation and come out the other side. It is a legal way of either consolidating or discharging allowable debts in order to get a fresh start. Although businesses can also declare bankruptcy, we will focus … Read More
If you’re stressed about your finances, you’re in good company. A recent survey from Capital One reports that 73% of Americans name financial concerns as their number one source of stress. When it comes to financial worries, they can be many and complex: Am I making enough? How will I get under my debt? Will … Read More
If you’re wondering “Can I file for bankruptcy without a lawyer?” The answer is yes. The option to file for bankruptcy without an attorney, known as Pro Se bankruptcy, is available under the United States bankruptcy law. Many individuals choose this path in an attempt to save money on attorney fees because it is one … Read More
Credit card debt is a huge reason people end up filing for bankruptcy. The incredibly high interest rates alone plus the ease of procuring cards contribute to what can be a vicious cycle of maxing out limits, paying only minimums, and applying for more cards. And often this cycle can have long-term negative effects on … Read More
Financial crises can devastate self-esteem and family relationships and hamper a person’s ability to cope with life in general. The good news – the light at the end of the tunnel – is that there is an excellent way to ease these fiscal-related woes: filing for bankruptcy. What is the Best Time to File for … Read More
If you find yourself in an untenable financial situation, bankruptcy may be your best option. But that doesn’t mean the process isn’t stressful and overwhelming. There are many considerations. One of the things you may be most concerned about is whether it will affect your current job or future credit. Chapter 7 bankruptcy, or liquidation … Read More
Declaring bankruptcy can appear incredibly intimidating. Sadly, many people choose not to file due to shame and embarrassment. The truth is that there’s nothing wrong with declaring bankruptcy, and it’s often the best option for those struggling with overwhelming debt. If you decide to declare personal bankruptcy, you’ll more than likely need to file through … Read More
When debt overshadows savings that’s scary enough. But for some, it’s even more frightening because they are also trying to make payments against astronomical bills, often medical or job loss related that continue to stack up with no signs of stopping. Declaring Chapter 7 bankruptcy may be the best solution in cases like this. People … Read More
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No upfront attorney fees in qualifying cases. Pay only court filing fee, credit reporting fee, and pre-bankruptcy credit counseling session fee to get a case on file to stop garnishments, repossessions, and certain court actions. Restrictions may apply. Please call to discuss your situation and learn how we can help.
