Bankruptcy Lawyer | How to Become Debt Free Bankruptcy Lawyer . Are the bills starting to pile up? Are debt collectors calling you nearly every day? Financial crises can happen to anyone, whether it is caused by illness; job loss; or simply living beyond one's means. Becoming debt-free may seem unattainable, but there are several options [...]
Bankruptcy Attorney | New Rules on Credit Counseling Bankruptcy Attorney . If you file for Chapter 7 or Chapter 13 bankruptcy, you must receive credit counseling from an approved agency before filing your case. In addition, you must complete a course in personal financial management (also called a debtor education course) before you can receive [...]
Bankruptcy Attorney | Filing Without an Attorney Bankruptcy Attorney . You are not required to have an attorney in order to file for bankruptcy. In some simple Chapter 7 cases, you can file on your own (it's called filing "pro se," meaning that you represent yourself) if you are willing to put in some time and [...]
Bankruptcy Attorney | Retainer Agreements Bankruptcy Attorney . If you decide to hire a bankruptcy attorney, you and your lawyer will sign a contract called a retainer agreement. Read on to learn more about what a bankruptcy retainer agreement is, what it should include, and what you should watch out for. What Is a Bankruptcy Retainer [...]
Bankruptcy Attorney | Is Chapter 7 Better Than Chapter 13 Bankruptcy Attorney . There are several reasons why Chapter 7 bankruptcy might be better for you than Chapter 13 bankruptcy. Chapter 7 is usually quicker than Chapter 13, most debtors can keep all or most of their property, and Chapter 7 filers don't have to pay [...]
Bankruptcy Attorney | Steps for Filing Chapter 7 Bankruptcy Attorney . If you are thinking about filing for Chapter 7 bankruptcy, here's on overview of what you'll need to do. 1. Analyze your debt. Some debts, such as child support obligations, are not dischargeable in Chapter 7 bankruptcy. And if you pledged collateral for a debt, [...]
Bankruptcy Attorney | Is Chapter 7 Right Choice? Bankruptcy Attorney . Before you file for Chapter 7 bankruptcy, decide if it makes financial sense. You can determine if Chapter 7 is right for you by asking yourself the following questions: Are you judgment proof -- that is, are creditors legally barred from taking your property or [...]
Bankruptcy Attorney | Social Security Benefits Bankruptcy Attorney . You can keep your social security benefits if you file for Chapter 7 bankruptcy, regardless of where you live. This is because social security benefits are exempt property, which means they are protected in bankruptcy. It is a good idea to maintain your benefits in a separate [...]
Bankruptcy Attorney | Your Retirement Plan in Bankruptcy Bankruptcy Attorney .If you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy, you get to keep your pension and retirement plan funds, with a few limitations. If you are considering bankruptcy, you should learn about these limits. Retirement Accounts Are Exempt Property Congress overhauled the bankruptcy [...]
Bankruptcy Attorney | Cash Advances Before Bankruptcy Bankruptcy Attorney . If you're having financial difficulties and you have available credit on your credit cards, it may be tempting to take out a cash advance to float your budget a little while longer. However, taking out a cash advance could cause you problems if you end [...]