Making Sense of Bankruptcy: How Do You Choose between Chapter 7 and 13 If You Owe Money to Your Ex-Spouse?
There are two post-divorce situations in which the extra time and expense of a Chapter 13 case could be well worthwhile.
Making Sense of Bankruptcy: When a Consumer Chapter 7 “Straight Bankruptcy” is Appropriate
Assuming you are a consumer who needs serious relief from your creditors, when should you do a Chapter 7 bankruptcy instead of a Chapter 13 one?
Making Sense of Bankruptcy: Writing off a Non-Support Debt
Besides providing a unique and powerful way to catch up on support arrearage, Chapter 13 can discharge other debts from your divorce.
Making Sense of Bankruptcy: Curing Child and Spousal Support Arrearage
Unlike Chapter 7 "straight bankruptcy," Chapter 13 can legally prevent your ex-spouse/support enforcement from chasing you and your assets.
Making Sense of Bankruptcy: The Chapter 13 Payment Plan
Chapter 13 is all about what you can and can't do with your creditors in your court-approved plan.
New Year Resolution #7: Get Past the Financial Problems Caused by Your Divorce
Chapter 13 is powerful for dealing with past-due support. But it's even stronger in dealing with non-support divorce debts.
New Year Resolution #5: Solve Your Seemingly Impossible Child or Spousal Support Arrearage Problem, Once and For All
Get relief from what can be the most dangerous kind of debt. Support enforcement is very powerful. Fight back with something even stronger.
Crucial Question: Can You Show How Chapter 13 Can Help After a Divorce?
If you are behind on your child or spousal support, or if you owe other divorce obligations, Chapter 13 can do so much more than Chapter 7.
Crucial Question: Does a Chapter 13 Case “Discharge” More Debts than a Chapter 7 One?
Yes, but barely. Chapter 13 can deal much better with many kinds of debts, but it can only discharge one kind that Chapter 7 can't.
Crucial Question: Why File Under Chapter 13 If You Have to Pay Something to Your Creditors Instead of Paying Nothing Under Chapter 7?
Chapter 13 has huge advantages in many situations, often making any extra cost well worthwhile.
Thanksgiving Week: Giving Thanks for Special Chapter 13 Tools
Chapter 13 protects you from collection of back child/spousal support and income taxes, & can save you a ton of money on your vehicle loan.
Crucial Question: Does My Spouse Have to File Bankruptcy with Me?
You can file bankruptcy without your spouse, but the better question is whether it is wise to do so.
Crucial Question: Can Bankruptcy Help with Child and Spousal Support Arrearage?
Chapter 7 "straight bankruptcy" doesn't stop aggressive collection of back support. But Chapter 13 does, and protects you while you catch up.
Crucial Question: Can Bankruptcy Write Off or Reduce My Support Obligations?
No. The bankruptcy court respects and doesn't change the support decisions of your divorce court. But bankruptcy can still help.
Crucial Question: Can I Exclude a Creditor from My Bankruptcy Case?
In general, you must include every creditor in your bankruptcy documents. Most concerns you may have about this can be satisfied.