How to File Chapter 7 or 13 Bankruptcy Without an Attorney
Filing a bankruptcy takes more than just filling out the forms. So how do you file a Chapter 7 or Chapter 13 Bankruptcy without an attorney? First, perhaps some people read our book. Hopefully, they use the forms and attempt to file Chapter 7 if they have no assets and income. If the Trustee is helpful, […]
How Bankruptcy Affects Spouse, Job, Credit, and Cosigners • Video
Bankruptcy tends to save marriage jobs credit and cosigners. However, debt hurts these relationships. So, if you want to learn more about how bankruptcy affects spouse, job, credit, and cosigners. If you want to know how bankruptcy can save a marriage, protect a spouse or cosigner, prevent a job loss, and restore credit, it is […]
Annual Budgets and Tax Refunds in Bankruptcy • Video
There are requirements for submitting annual budgets and tax refunds in some districts such as Louisville, Kentucky. Of course, one of the requirements while in bankruptcy is for debtors to use their best efforts to repay all debts. Interestingly, this requirement is part of a bargain in bankruptcy. Additionally, in Chapter 7 or Chapter 13 […]
HELOC Second Mortgage and Property Tax Foreclosures
HELOC second mortgage and property tax foreclosures are expected to increase in 2018–2025. $265 billion in home equity lines of credit mortgage loans (or HELOCs) will go into foreclosure from 2015 to 2018 according to Experian. Some homeowners will have to increase these monthly second mortgage payments by 3 to 4 times the present monthly […]
Your Fresh Start on a New Budget with Bankruptcy
How do we make sure you get a fresh start on a new budget you can afford? Well, it’s simple. In short, we take the time to make sure you get a fresh start and a new budget you can afford. That’s because you must spend the right amount of time to prepare a successful […]
Chapter Conversions from One Bankruptcy Chapter to Another
Bankruptcy is normally voluntary – unless you have hidden assets or filed somehow in bad faith. You normally have the right to dismiss your Chapter 13 bankruptcy case or convert from one bankruptcy chapter to another. It is easy to convert from Chapter 13 to a Chapter 7 normally, and there are benefits to converting from […]