Prevent Future Income Tax Liens
Bankruptcy can prevent future income tax lien recordings against your home. The result: paying nothing on the tax vs. paying it in full.
Prevent Future Judgment Liens
Bankruptcy can prevent future judgment liens. It usually stops a lawsuit from turning into a judgment, and then a judgment lien on your home.
Bankruptcy Can Remove a Judgment Lien
Bankruptcy can, in the right circumstances, remove a judgment lien from the title to your home. Here are the conditions for pulling this off.
Stripping a Junior Mortgage in Bankruptcy
In determining your ability to strip off a junior mortgage, you must look at the superior liens, the amounts owing on those debts, and the value of your house.
Bankruptcy Can Help You When Faced With A Property Tax Foreclosure
Bankruptcy can help if you are facing a property tax foreclosure — Chapter 7 by getting rid of other debts, Chapter 13 by buying you lots more time.
Chapter 13 Gives the Most Time to Cure Your Mortgage
Chapter 7 provides no mechanism to cure your mortgage. But Chapter 13 does provide a powerful, realistic, and practical way to do so.
Bankruptcy Helps You Afford Your Mortgage
Bankruptcy frees up cash flow so you can afford your mortgage payments. Chapter 7 does so by writing off other debts. Chapter 13 does so more creatively.
Protecting Excess Home Equity in Chapter 13
Chapter 13 can be an advantageous way to protect excess home equity that is above your homestead exemption.
Protecting Potential Equity in Your Home through Chapter 7
Protecting current home equity is a sensible focus when considering bankruptcy. Protecting potential equity can be critical.
Protecting Your Home Equity through Chapter 7
You can protect the equity in your home if the amount of equity is no more than the homestead exemption applicable to residents of your state.
More Bankruptcy Benefits for Your Home
Other bankruptcy benefits for your home include protection against other liens—from judgments, income taxes, and homeowner associations.
Reaffirming your Vehicle Loan
If you want to keep your vehicle and still pay on its loan, file a Chapter 7 case to write off other debts and reaffirm the vehicle loan.
Forgotten Debts
What do you need to do, what efforts is worth taking, if there are debts you don't have any records on or you've forgotten about?
U.S. Dept. of Justice Announces $1.375 Billion Settlement with Standard & Poor’s Rating Agency for Defrauding Investors, Helping Cause the Financial Crisis
Standard & Poor's pays for giving AAA ratings to mortgage-backed securities that turned out to be little better than junk.
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