Can Bankruptcy Eliminate My Judgment Liens?

When an individual borrower falls behind on paying their bills, creditors start filing collection lawsuits in order to a obtain court judgment. Once the judgment has been granted in favor of the creditor, the collection efforts begin. A Creditor May Place a Judgment Lien Against Your House One common collection tool used by many creditors […]

Tips for Discussing Bankruptcy with your Children

It is a natural reaction for parents to attempt to shield their children from dealing with financial troubles. However, if you are considering filing a personal bankruptcy case, it is wise to discuss it with your entire family, including your children. You can tailor the conversation to fit the age of your children, but it […]

Options to Consider when a Judgment is Entered Against You

Many people who fall behind on their bills feel overwhelmed when creditors start filing collection lawsuits against them. In fact, it is not uncommon for people to simply ignore the lawsuits and hope they will simply go away. This tactic never works! As soon as you are served with a petition or complaint against you, […]

Can your Credit Card Lender Seize your assets?

According to Creditcards.com, there are numerous credit card lenders that are using their agreements as authority to seize things you buy with your credit card if you do not pay your bill in full. Typically, credit card debt is unsecured debt, which means that no assets were pledged as collateral to the lender. However, clauses […]

What you need to know about Credit Card Debt in Bankruptcy

Credit card debt is one of the most common factors that contribute to individuals filing for bankruptcy protection. If you are overwhelmed by your credit card bills, filing a Chapter 7 or Chapter 13 may be the solution. In a typical Chapter 7, the majority (if not all) of your credit card debt will be […]

Read This BEFORE you sign a Reaffirmation Agreement

If you are planning to file a Chapter 7 case and you have secured debts, you should be prepared to disclose to the court how you intend to handle your secured loans. In other words, you must decide whether you will surrender the asset you pledged as collateral (house, vehicle, boat, etc.) to the lender, […]

How the Automatic Stay is Impacted by Multiple Filings

If you have previously filed for bankruptcy protection and you are considering filing another case, it is important to understand that there are certain guideline for when and how you can do it. The court looks at what type of case you filed the first time and whether you received a discharge of your debts […]

Should I Negotiate with my Creditors or File Bankruptcy?

People who have an income but still cannot pay all of their bills have several debt relief options available to them. If you are trying to determine whether debt negotiation or a Chapter 13 bankruptcy is the best option for you, we can help. We can review your individual circumstances and help you make an […]

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