Even smart, responsible people can find themselves bogged down by debt. When this occurs, filing for Chapter 7 provides a way for you to get your finances under control, once and for all. According to Kiplinger, you must prepare for a bankruptcy filing by taking the...
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What does debt collector misrepresentation look like?
Debt collectors must follow certain laws that protect those in debt from harassment. In addition, they cannot misrepresent themselves, either. This helps people like you stay safe. But what does misrepresentation mean in this case? How do you know if a debt collector...
3 questions to ask yourself when you think about bankruptcy
Whether you are a single parent with children in college or a retiree with rising medical bills, keeping debts paid may be challenging. Have you thought about bankruptcy? Do you know if or when you should file? Here are a few reasons to help you decide if now is the...
How bankruptcy’s automatic stay provides relief from creditors
Having creditors constantly harass you at home or at work may have you scrambling for a solution, and you may be considering filing for bankruptcy. Bankruptcy may not be appropriate in all situations. However, many people dealing with creditor harassment find that...
Is there an order you must repay debts in?
After filing for Chapter 13 bankruptcy, you have obligations to fulfill. It is important that you do this, too. If you fail to fulfill your duties as a Chapter 13 debtor, you have no second option or "fallback" bankruptcy to choose from. Thus, it is crucial to...
Talking to your family about bankruptcy
When you decide to file for bankruptcy protection in Maryland, you may encounter experiences where your family and friends ask about your situation. Bankruptcy is nothing to feel embarrassed about and can actually provide new opportunities for a brighter future....
Can your credit survive bankruptcy?
One of the benefits of filing for Chapter 13 bankruptcy is that you can repay your debt over the course of three to five years. However, during this time, your bankruptcy will be on your credit report and this can lower your credit score. There are several steps you...
4 benefits of filing for bankruptcy
Significant debt can happen to anyone, for many reasons. You may have lost your job, gone through a recent divorce or incurred significant medical debt. Filing for bankruptcy may seem like a step backward, but really, it is a way to move forward while protecting the...
What are reasons to keep bankruptcy paperwork safe?
The process of paying off your debts through Chapter 13 bankruptcy may have felt like an ordeal, but you finally see your bankruptcy coming towards an end. As you contemplate returning to a life free from debt, you must also plan to have your bankruptcy paperwork safe...
Can Chapter 7 discharge my tax debt?
If you contemplate filing bankruptcy and owe back taxes to the IRS, you may have heard that Chapter 7 will not discharge tax debt. While generally true, Upsolve.org reports that Chapter 7 can discharge some income tax debts under some circumstances. To make your IRS...