Timing: Qualifying for Vehicle Loan Cramdown
If your vehicle is worth less than you owe on it, with good timing cramdown could reduce your monthly payment AND the total amount you pay.
Timing: Writing Off Recent Credit Card Debt
Using a credit card shortly before filing bankruptcy doesn't seem right. The law agrees. Writing off this kind of debt can be a problem.
Timing: Writing Off Income Taxes
Usually you can discharge--write off--an income tax debt by just waiting long enough. Here's how to discharge a tax debt under Chapter 7.
Two Examples of Bankruptcy Timing with Medical Debts
How to know whether to delay filing bankruptcy when you're expecting new medical services and their medical debts? Here are two examples.
Timing: Including Debts in Bankruptcy
A bankruptcy covers the debts that exist as of the time your case is filed, not future debts. So how do you know when to file your case?
A Sample Completed Chapter 7 Case
What does the completion of a successful Chapter 7 "straight bankruptcy" case look like? What happens to your debts?
A Sample Completed Chapter 13 Case
What does the completion of a successful 3-to-year Chapter 13 case look like?What happens to your assets and debts?
Getting Ready to Finish a Chapter 13 Case
Finishing a Chapter 13 case successfully is a big deal. It is rewarding financially and emotionally. Here's how it happens.
The Chapter 13 Trustee
The Chapter 13 trustee is an important player in your "adjustment of debts" case so it helps to know how to deal with him or her.
A Second Mortgage “Strip” through Chapter 13
If you own a home with a qualifying 2nd or 3rd mortgage, one of the best reasons to file a Chapter 13 case is to "strip" off that mortgage.
Labor Day 2017–Hard-Working and Productive Workers
Long working hours, relatively good tools, and an efficient business environment mean that we produce more per person than anybody else.
Labor Day 2017–Hard-Working and Productive Workers
Long working hours, relatively good tools, and an efficient business environment mean that we produce more per person than anybody else.
A Caution about Severing Your Chapter 13 Case from Your Spouse
If getting separated or divorced while in a Chapter 13 case, you'll likely each need a new lawyer for independent advice about what to do.
The Option of Severing Your Chapter 13 Case from Your Spouse
When deciding to file a Chapter 13 jointly with your spouse, realize that you can split that case later into two cases if you get divorced.
The Option of Converting Your Chapter 13 Case into a Chapter 7 One
When deciding between Chapter 7 and 13, if you choose a Chapter 13 payment plan realize that converting later to Chapter 7 is an option.