Chapter 7 Prevents Judgment Liens on Your Home
Filing a Chapter 7 case stops foreclosure of your home temporarily, helping you gather funds for your transition to your next housing.
Chapter 7 Buys Time and Money to Move from a Foreclosing Home
Filing a Chapter 7 case stops foreclosure of your home temporarily, helping you gather funds for your transition to your next housing.
Chapter 7 Buys Time to Change to Another Vehicle
Filing a Chapter 7 case stops repossession of your vehicle temporarily. If you are getting another vehicle, that can be valuable time.
Chapter 7 Buys Time to Redeem Your Vehicle
If your vehicle is worth less than its debt, and you can get the money representing that value, you can "redeem" the vehicle free and clear.
Chapter 7 Buys Very Short Amount of Time to Get Vehicle Insurance
Chapter 7 stops a repossession of your vehicle for lapsed insurance, but almost always the amount of time it buys you is very short.
Many Ways to Buy Time for Your Vehicle and Home through Chapter 7
Chapter 7 buys you the crucial time you need in many situations when falling behind in your obligations related to your vehicle or your home.
Dealing with Recorded Tax Liens through Chapter 13
A recorded tax lien gives the IRS/state a lot of leverage against you and your home. Chapter 13 can gain you back some of that leverage.
Buy Lots More Time to Deal with Multiple Years of Income Tax Debts
If you have an income tax debt that qualifies for discharge and also some tax debt that doesn't, Chapter 13 is often your best option.
Buy Time to Deal with Multiple Years of Income Tax Debts
What if you have some income tax debt that qualifies for discharge but one (or more) tax year that doesn't? Does Chapter 7 ever help enough?
Buy Time to Get Current on Home Property Taxes
Falling behind on home property taxes creates a special problem. The tax collector will likely be much less pushy than your mortgage lender.
Buy Time to Sell Your Home with Chapter 13
If you are behind on your mortgage, and are thinking of selling your home, you can often delay selling for many months or even for years.
Buy Much More Time for Your Home with Chapter 13
Filing a Chapter 13 case buys you time and flexibility for catching up on your mortgage arrearage. Lots more of both than in Chapter 7.
Chapter 7 Permanently Prevents Tax Liens against Your Home
Filing a Chapter 7 case prevents tax liens from hitting your home, and so avoids a dischargeable tax from turning into one you must pay.
Buy Time for Your Home with Chapter 7
Filing a Chapter 7 bankruptcy case stops a foreclosure and buys some time to either arrange to keep the home or move in a peaceful way.
Good Timing Can Shorten Your Chapter 13 Case by 2 Years
We show how wise timing in your filing of a Chapter 13 "adjustment of debts" case could shorten your payment plan from 5 years to 3 years.