A Fresh Start against Your Co-Signer
Through bankruptcy, you may be able to and want to pay a co-signed debt. If not, you need protection from that debt and from your co-signer.
The Judgment Liens that Can Be “Avoided” from Your Home’s Title
Bankruptcy can't get rid of most creditor liens on what you own. But judgment liens on your home are an exception.
Bankruptcy Timing and the Holidays: Personal Injury Damages from Driving Under the Influence
Even bankruptcy cannot help if you drink and drive, cause an accident, and hurt somebody, damage property, or are fined.
Bankruptcy Timing and the Holidays: The “Cash Advances” Presumption of Fraud
If you can, don't do cash advances during the holidays if you're contemplating filing bankruptcy. If you do, understand the rules about them.
Bankruptcy Timing and the Holidays: The “Luxury” Presumption of Fraud
If you're considering filing bankruptcy, try to avoid using credit cards to finance the holidays. But if you do, there are some extra risks.
Chapter 7 and Chapter 13–Encumbered Assets
Some of the assets you may want to protect in a bankruptcy case are those that are security for debts.
Making Sense of Bankruptcy: What’s the Required “Debtor Education”?
"Credit counseling" has to be done shortly before filing bankruptcy, "debtor education" shortly after. The latter may even be worthwhile.
Making Sense of Bankruptcy: Debts That Are Not Discharged (Written off) in a Chapter 7 Bankruptcy
Start by assuming that debts are written off in bankruptcy, while knowing that there are some important exceptions that may apply to you.
Making Sense of Bankruptcy: The Role of Honesty
Bankruptcy works largely on the honor system. Actually it's closer to a "trust, but verify" system.
Making Sense of Bankruptcy: Discharging a Debt Owed for Committing Fraud in a Fiduciary Capacity
You may not be able to write off debts "for fraud or defalcation while acting in a fiduciary capacity." Should this concern you?
Making Sense of Bankruptcy: Discharging Disputed Debts, Challenges for “Willful and Malicious Injury”
Your financial difficulties may include an unresolved claim against you for personal injury or property damage.
Making Sense of Bankruptcy: Defeating Challenges to the Legal Write-off of “Luxury” Purchases and Cash Advances
Understanding the most common kinds of "fraud" challenge to the discharge of your debts will enable you to avoid these challenges.
Making Sense of Bankruptcy: Fraud-Based Debts Which Can Be Challenged by Creditors
Although most debts are legally written off when you file bankruptcy, creditors can object by alleging you incurred the debt fraudulently.
Making Sense of Bankruptcy: How Can Bankruptcy Write Off My Debts?
If I legally owe debts, and maybe even have a court judgment saying I do, how can bankruptcy wipe away those debts and erase that judgment?
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.