Prevent Losing the Automatic Stay Because of a Prior Bankruptcy Filing
Either 1) wait one year to file your bankruptcy case after getting a prior bankruptcy case dismissed or 2) justify why the dismissal happened.
Stop Student Loan Collections to Discharge or Deal with the Loan
Filing Chapter 7 stops a student loan garnishment and other collection activities. Then use "undue hardship' or focus on the student loan.
Stop IRS Garnishment to Start Installment Payment Plan
Filing Chapter 7 bankruptcy stops an IRS/state garnishment and other collection activities, even if it's for a tax you still have to pay.
Preventing Wage Garnishment through Bankruptcy
Filing bankruptcy protects your paycheck. It does so because federal bankruptcy prevents a state court wage garnishment order.
Does Hiring a Bankruptcy Lawyer Stop Collection Actions?
Hiring a bankruptcy lawyer can stop creditor phone calls and some other potentially very important collection actions against you.
Get a New Financial Start with this New Year
Get a new financial start for 2018. Stop creditor pressures immediately, write off all or most debts, and responsibly deal with the rest.
Chapter 13 with a Judgment Lien, HOA Lien, or Child/Spousal Support
Chapter 13 can work much better than Chapter 7 if you have a judgment or HOA lien on your home, or get behind on child or spousal support.
Using Time to Your Advantage in Chapter 7 and 13
Chapter 7's big advantage is that it's quick. Chapter 13's big advantage is that it buys you more time to do what you want or need to do.
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.
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?
Chapter 13 Buys Time
Chapter 13 is very different from Chapter 7 "straight bankruptcy." It buys you time to deal effectively with your special debts.
Suing a Creditor in Bankruptcy
Sue a creditor to confirm that a debt will be discharged, or to punish the creditor for violating the automatic stay or the discharge order.
What If I’m Behind on My Rent But Want to Stay in My Rental?
In a Chapter 7 "straight bankruptcy" you can usually "assume" your lease agreement. But you have to get current fast and keep current.
The Tax Exceptions to the Automatic Stay
In spite of you filing bankruptcy, the taxing authorities can still take certain very specific actions as exceptions to the automatic stay.
The Domestic Relations Exceptions to the Automatic Stay
Even if you file bankruptcy, certain actions can still be taken against you in divorce court, or about family law matters.