Understanding Bankruptcy: A Glossary of Common Bankruptcy Terms
When you’re faced with a financial crisis, you’re under an extreme amount of stress. One of the main benefits of…
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How to Avoid Common Scams Targeting Bankruptcy Petitioners
Many individuals and families facing bankruptcy are also experiencing one of the most vulnerable time periods of their life. Sadly,…
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Is It Possible to Keep Bankruptcy Records Private?
A significant number of potential bankruptcy filers arrive at their first consultation with one question on their mind: Can I…
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What Are the Two Most Common Types of Bankruptcy for Individuals?
Most people have a general understanding of bankruptcy. Many are also aware that there are different types of bankruptcy. However,…
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Learn More About the Debtor Education Course Requirement
Before a bankruptcy filer can receive a discharge of debt in their Chapter 7 or Chapter 13 bankruptcy case, they…
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Know the Key Deadlines in Your Bankruptcy Case
When filing a Chapter 7 bankruptcy, you can expect the standard bankruptcy process to take about four months. The process…
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The Importance of Disclosing Assets in Bankruptcy
Bankruptcy law requires full disclosure of all assets. The disclosure of all assets is a basic premise of bankruptcy. The…
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How Does Divorve Affect My Bankruptcy Case?
Two of the most stressful (and emotionally charged) experiences people commonly endure in modern times are divorce and bankruptcy. So…
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Dealing with a Debt Your Creditor Sold to a Collection Agency
When a debt goes past due, creditors typically contact the debtor to collect payment. When a debt continues to fall…
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Understanding Priority Unsecured Debts in Bankruptcy
If you are filing bankruptcy or considering filing in the future, it’s important to understand the difference between priority and…
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Issues to Consider Before Signing a Reaffirmation Agreement
Are you filing bankruptcy? Is your mortgage lender insisting that you sign a reaffirmation agreement for your residence? Should you…
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Chapter 7 Bankruptcy: Not All Assets are At Risk
Do you know which assets are exempt during a bankruptcy case? Before filing, it is essential to understand the difference…
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How Is Social Security Handled During Bankruptcy?
If you live on a fixed income funded by Social Security benefits, and you are also facing a growing amount…
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3 Tips to Regain Your Financial Health After Bankruptcy
Going through a bankruptcy can be difficult, stressful, embarrassing, and damaging to your credit rating. Still, the fresh financial start…
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Can I File Bankruptcy if I Am Unemployed?
There are many different reasons for filing bankruptcy, but one of the most common is unemployment. No one is ever…
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My Identity was Stolen, Will Bankruptcy Help?
If you’re wondering if bankruptcy fixed identify theft problems, you’re probably in a pretty rough spot. Getting your identity stolen…
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Can I File Bankruptcy Without My Spouse?
Most people assume they can file bankruptcy as a single person, but what about if you’re married? Did you know…
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What To Do Now If You Think You Will Need to File Bankruptcy in 2021
2020 has been an unprecedented year. More than 22 million Americans have filed for unemployment. Cities and states across the…
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Georgia Bankruptcy: Tax Debts & Tax Refunds
If you are filing bankruptcy, you may wonder how any tax refunds will be handled. What happens to tax refunds…
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How Will My Bankruptcy Affect the Co-Signer on My Loan?
When you file Chapter 7 bankruptcy, secured and unsecured debts are discharged. Unsecured debts include credit card debts, medical debts,…
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How is Your Home Equity Handled When You Convert Your Chapter 13 to a Chapter 7 Bankruptcy?
Sometimes Chapter 13 bankruptcy petitioners experience a significant life change during their three or five year Chapter 13 bankruptcy payment…
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How To Save Your Car in Tennessee Bankruptcy
Many bankruptcy petitioners worry about whether or not they can save their car if they file Tennessee bankruptcy. By filing…
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What Happens to Valuable Pets During Bankruptcy?
Many people think of their pets like family, but according to the law, pets are actually assets, and bankruptcy courts…
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What Happens to Your Jointly Owned Assets During Tennessee Bankruptcy?
Are you filing bankruptcy, and you aren’t sure what will happen to a property with joint ownership? How does your…
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Is it Better to Vacate a Judgement, Settle the Judgement, or File Bankruptcy?
Do you have a judgment out against you? If so, you should know that there are only three ways to…
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Tennessee & Georgia Bankruptcy: Will the Bankruptcy Court Consider Your Social Media Account an Asset?
You may consider your social media accounts a form of recreation. Your Instagram feed or Facebook page is just a…
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What is the Meeting of the Creditors (or 341 Meeting), and When Does it Occur?
Many bankruptcy filers are extraordinarily nervous or even afraid of what will happen at their Meeting of the Creditors (or…
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Tennessee & Georgia Bankruptcy Exemptions: What Property is Protected from Creditors?
Most bankruptcy petitioners do not lose assets when filing for bankruptcy. Bankruptcy law includes exemptions enabling filers to keep certain…
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Is Your Pension Exempt in Bankruptcy?
Years ago, Congress exempted most retirement accounts from bankruptcies. However, not all retirement funds are protected during bankruptcy. Whether or…
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How Will Bankruptcy Affect My Divorce Settlement?
Did you know that financial stress is one of the leading causes of divorce? Ironically, divorce typically increases financial strain…
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Is It Always Best for a Married Couple to File a Joint Bankruptcy Petition?
Are you married and filing bankruptcy? If so, you’ll need to decide if you are filing jointly or separately. It’s…
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Exempting Your Mobile Home During Bankruptcy
Many bankruptcy petitioners worry about their homes when filing bankruptcy. Whether or not you can keep your mobile home when…
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How To Protect Your Credit During the Coronavirus Pandemic
The Covid-19 pandemic is affecting people throughout the world. Many have lost their jobs or experienced significant pay cuts. Some…
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Filing Bankruptcy: How to Protect Your Assets
If you are considering filing bankruptcy, you are most likely wondering how you can protect your assets. Protecting assets in…
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When I File Bankruptcy Does It Remove a Judgment Lien Against My Property?
Many bankruptcy petitioners are unsure whether or not filing bankruptcy will remove a judgment lien against their property. In some…
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If Your Bankruptcy Case is Dismissed, Can You Refile?
The bankruptcy court may dismiss your bankruptcy case for several different reasons. The Bankruptcy Code outlines various responsibilities for debtors,…
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What Happens to Debt Not Listed in Your Bankruptcy Schedule of Debts?
When filing bankruptcy, there’s a lot of paperwork. Among the paperwork, bankruptcy petitioners are required to list all their income…
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Can You Discharge Medical Debt in a Georgia Bankruptcy?
Are you facing significant medical debt? Do you watch more medical bills arrive each week with no idea how you…
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What Happens to Your Tax Refund After You File Bankruptcy?
Do you know what happens to your tax refund when you file bankruptcy? According to the IRS data in 2004,…
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Tennessee Car Repossession: Avoid Getting Your Car Repossessed
In many areas in the US, including Tennessee, owning a car is a necessity. You need a car to get…
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Can You Buy a Car After Bankruptcy?
Are you worried about buying a car after bankruptcy? It’s a common fear, but buying a car after bankruptcy is…
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As Consumer Debt Reaches Another All-Time High, Americans Consider Bankruptcy
It’s no surprise that many Americans are buried in debt. We were in a dangerous spot before the recession hit,…
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The Nationwide Phenomenon Some Are Calling Gray Bankruptcy
Did you know that “gray” bankruptcies are on the rise? The number of Americans over the age of 65 that…
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Can Bankruptcy Petitioners Choose Which Debts are Paid Off First?
When you are considering filing bankruptcy, you have a lot on your mind. You need to think about your specific…
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Will Financial Challenges Related to Covid-19 Lead to More Bankruptcy Filings?
With the onset of massive changes in the workplace across the nation, many are wondering if we will see an…
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Does Divorce Make Women More Vulnerable to Financial Trouble?
Did you know that divorce is often cited as the reason women go into bankruptcy? Did you know that the…
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Can I Keep My Home in a Georgia Bankruptcy?
Are you a Georgia homeowner filing bankruptcy? If so, the question at the top of your mind is probably whether…
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Can My Tennessee Bankruptcy Impact My Job Search?
If you are worried about bankruptcy negatively affecting your employment, you probably shouldn’t bother worrying. It is illegal for employers…
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Does Divorce Increase Your Chances of Filing Bankruptcy?
Is there a connection between divorce and bankruptcy? Does divorce make bankruptcy more or less likely? Which comes first: bankruptcy…
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Potential Bankruptcy Filers Beware: Common Debt Settlement Scams
Debt, in itself, is not a bad thing, but when an individual or a family has more liability than they…
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Why Are Bankruptcy Filers Required to Complete Credit Counseling?
Did you know that every bankruptcy petitioner is required to complete a credit counseling course before they file bankruptcy? They…
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Does Religious Private School Tuition Fall Under a “Reasonable Expense” During Bankruptcy?
If your family is struggling with overwhelming debt and you need the protections offered by bankruptcy, don’t hesitate to get…
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Do I Have to Stop Making Charitable Donations During Bankruptcy?
Did you know that America is full of charitable people? It’s true. Even during recessions and times of high unemployment,…
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When Should Bankruptcy Filers Start Rebuilding Credit?
If you’ve filed for bankruptcy and you aren’t sure when you should start rebuilding your credit, the answer is simple.…
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Filing Bankruptcy: What Are the Most Common Pre-Filing Mistakes
Bankruptcy was designed to help good people having a hard time; people just like you struggling to make a life…
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Bankruptcy Law: When is it Too Late to Stop a Foreclosure?
You’ve probably heard a lot about bankruptcy. Most are aware that homeowners in financial trouble can often turn to bankruptcy…
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How to Stop a Wage Garnishment with Bankruptcy
Many Americans will agree that debt has a way of sneaking up on a person – on a family. Once…
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3 Benefits of Bankruptcy’s Automatic Stay
Living your life while buried in an absurd amount of debt is not easy, and many turn to bankruptcy as…
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Common Signs That You May Need to Discuss Filing Bankruptcy
It’s not unusual for a typical American consumer to wonder if they’re in over their head when credit card bills…
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IRA Protections: Federal Law Protects Retirement Accounts During Bankruptcy
In most cases, bankruptcy petitioners can keep retirement accounts like 401ks and IRAs when filing for Chapter 7 bankruptcy. Still,…
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Does Filing Bankruptcy Pose a Risk to My Career?
When you are struggling with debt, you start to see ads for bankruptcy attorneys everywhere. You see their commercials on…
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Bankruptcy Can Often Help Relieve Emotional Stress Caused by Financial Struggles
Are you thinking about filing for bankruptcy? If so, you have probably been dealing with impossible financial struggles for a…
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What To Do When a Debt Collector Calls You?
Don’t worry if you’re caught off guard the first time a collector calls. It’s completely normal, but talking to a…
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5 Common Reasons Bankruptcy Cases Are Dismissed
If you are worried about your bankruptcy case being dismissed, it may help put your mind at ease to hear…
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Can a Second Mortgage Company Foreclose On My House?
Can a second mortgage company foreclose on your home? Unfortunately for some, the answer is yes. A second mortgage company…
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Can I Still Collect Rent If I’m Surrendering Properties in a Bankruptcy?
Rental properties are becoming a more common asset for the typical American. Rental properties generate a steady source of income,…
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What is a 2004 Examination in Bankruptcy?
Most bankruptcy cases don’t resemble other types of litigation much. There’s rarely a lawsuit attached to a bankruptcy proceeding. However,…
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Can a Homeowner’s Association Foreclose on My House?
If you are a resident in a newer home community or a low-maintenance planned community, chances are that you have…
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How To Determine Jewelry Value During Bankruptcy
If you are filing bankruptcy, you already know that you will need to notify the bankruptcy court of all debts…
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How Chapter 13 Bankruptcy Affects Business Owners
Are you a small business owner filing for Chapter 13 bankruptcy? Are you confused about how it will affect you…
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Bankruptcy and Retirement Accounts
Do you know what happens to retirement accounts and retirement savings during a bankruptcy? It depends on whether or not…
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Main Differences Between Chapter 7 and Chapter 13 Bankruptcy
Serious debt can be mentally and emotionally exhausting. When you can’t keep up with repaying loans and credit card bills,…
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Waiting Until After the Holidays to File Bankruptcy Can Be Risky
You’re overwhelmed by debt. You’re barely scraping by, and you’re deciding who to pay when you receive your paycheck based…
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Child Support and Bankruptcy
Certain types of debt are not eligible for discharge. Congress decided these priority debts are designated too essential to be…
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Can You Be Evicted While Declaring Bankruptcy?
Did you know that bankruptcy can discharge a debt owed to a landlord? If you file for bankruptcy before the…
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How Does Bankruptcy Affect Your Utilities?
In the weeks and months before filing for bankruptcy, you may have fallen behind on your bills. You may have…
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When Should You Consult a Bankruptcy Lawyer?
Did you know that people are more likely to interact with the bankruptcy courts than they are any other legal…
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Drowning in Debt and Turning to Bankruptcy for Protection
Are you drowning in debt? Do you and your family struggle to make your monthly payments? Do you worry about…
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Vehicle Repossession and Bankruptcy
Do you feel like you’re at the end of your rope when it comes to balancing the finances each month?…
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What is a Bankruptcy Discharge?
The main goal of bankruptcy is to get creditors to forgive outstanding debt or to put the borrower in the…
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Filing for Bankruptcy: What Is the Means Test?
The bankruptcy means test is in place to determine whether or not a consumer is eligible to file for Chapter…
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Don’t Be Embarrassed to Talk About Bankruptcy
Everyone has certain things that they don’t want to discuss. Some people don’t want to talk about money. Others don’t…
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Know the Important Do’s and Don’ts of Bankruptcy
Are you struggling to pay your bills? Do you have debt that you cannot repay? If you are having difficulty…
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Will I Lose My Home If I File for Bankruptcy?
Bankruptcy law is complicated. The complicated process offers consumers a chance to manage debt that is not manageable. It also…
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How Can I Repair My Credit After Bankruptcy?
Petitioners who file for Chapter 7 bankruptcy receive a clean financial slate through the bankruptcy discharge that erases liability for…
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Car Repossession and Bankruptcy
When a borrower defaults on their car loan, the lender usually has the right to repossess the vehicle. In most…
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What Does Bankruptcy Protection Actually Mean?
The bankruptcy code is found in Title 11 of the United States Code; it is federal law administered in Federal…
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Can I Change from One Type of Bankruptcy to Another?
If you already filed bankruptcy in Tennessee or Georgia, and you suspect that you might benefit from changing to another…
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Will Filing for Bankruptcy Harm My Credit?
It is common to be concerned about your credit score when filing for bankruptcy. Some believe that filing for bankruptcy…
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Should You Feel Bad About Filing for Bankruptcy?
Some Christians, when facing severe financial distress, have difficulty considering bankruptcy as an appropriate option. They question the bankruptcy process’s…
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Increasing Numbers of Seniors are Turning to Bankruptcy Protection
We call it the “golden years,” but for many their retirement years are not quite as shiny as they expected.…
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Bankruptcy Basics: The Benefit of the Automatic Stay
No one deserves to be afraid to answer their phone or check their mail or open their front door to…
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Common Property Interests that Require Complete Disclosure During Bankruptcy
Are you filing for bankruptcy in Tennessee or Georgia? Do you know what property you are required to disclose for…
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