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Blog Posts in March, 2012

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  • When It's Time to Declare Personal Bankruptcy in Dallas

    Posted By admin || 30-Mar-2012

    Declaring Personal Bankruptcy in Dallas, Texas Admit it: your finances have you feeling like you are in over your head. Every time you check your mail, yet another demanding letter from a debt collector greets you. You can't remember the last time you were able to hear your phone ring without fearing that it's from a credit card company. And forget checking your bank account balance - as soon as ...
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  • Can I File Bankruptcy If I Am Self Employed?

    Posted By admin || 30-Mar-2012

    Filing Bankruptcy When You Are Self Employed Self-employment can be challenging in different aspects since you are in business for yourself. A sole proprietor or an independent contractor most likely takes financial risks to help get the business off the ground. But for some, it leads to debt that becomes too difficult to handle. Many who are self-employed are often under the impression that they ...
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  • Bankruptcy News: Why These Debt Repayment Strategies Just Won't Work

    Posted By admin || 28-Mar-2012

    When it comes to battling that mountain of debt, you may believe that there are certain debt repayment strategies that will work. After all, you've seen them touted again and again on many financial websites and magazines. You know that with diligent repayments, plenty of patience, and some good luck, you will be back on your way towards a debt-free lifestyle... Right? Actually, some of the most ...
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  • Bankruptcy Filings Saw Big Increase in February 2012

    Posted By admin || 28-Mar-2012

    The American Bankruptcy Institute (ABI) recently shared data collected by Epiq Systems, Inc. regarding recent bankruptcy filings in the United States with a big increase in filings during February from January 2012 alone. Data collected showed a 19 percent increase in bankruptcy filings during the month of February, which totaled 104,418; up from January filings which totaled 87,981. The number of ...
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  • Stopping a Utility Disconnection with Bankruptcy

    Posted By admin || 27-Mar-2012

    Utility Disconnections and Bankruptcy While Chapter 7 bankruptcy can help you eliminate unsecured debt, it may also help you keep your utilities from getting disconnected. In most cases, bankruptcy will prevent utilities such as electric, water, phone and gas from being shut-off. The automatic stay that goes into effect after you file may give you additional time to come up with a solution to keep ...
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  • How NOT to Recover From a Dallas Bankruptcy

    Posted By admin || 27-Mar-2012

    When it comes to recovering from a Dallas personal bankruptcy, you may think you have all your proverbial ducks lined up in a row. You know that you'll need to make faithful repayments on any and all debts you accumulate after your bankruptcy. You know that it will take some time to recover your credit rating. Above all, you understand that recovering from a Dallas personal bankruptcy takes time, ...
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  • How Does Bankruptcy Affect Child Support?

    Posted By admin || 26-Mar-2012

    Bankruptcy Affect on Child Support Whether you're receiving child support payments from someone who is set to file bankruptcy or you're responsible for making child support payments, you may wonder what affect the bankruptcy process will have when it comes to receiving or making payments. The outcome of the process may vary depending on personal circumstances and the chapter that is filed The ...
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  • How to Select the Best Dallas Bankruptcy Lawyer

    Posted By admin || 26-Mar-2012

    Selecting the Best Dallas Bankruptcy Lawyer When it comes to declaring personal bankruptcy in Dallas, you may think that the road will be long and convoluted. However, nothing could be further from the truth - especially if you have the best bankruptcy lawyer by your side. But as with all things, it takes time, dedication, and plenty of patience to find the best Dallas bankruptcy lawyer on the ...
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  • Can I Get a Car Loan During Bankruptcy?

    Posted By admin || 23-Mar-2012

    Car Title Loans During Bankruptcy It's common for individuals to seek a car loan after bankruptcy but what happens if you need one before your case is completed? You may be able to get a car loan while in bankruptcy depending on which chapter you file. The chapter filed may have an effect on how you proceed in obtaining your car loan. Chapter 7 bankruptcy allows qualifying debt to be eliminated or ...
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  • The Cold, Hard Facts about Personal Bankruptcy

    Posted By admin || 23-Mar-2012

    Facts about Personal Bankruptcy When it comes to filing for personal bankruptcy, you might feel like you are alone in a sea of financially solvent people. Thanks to misinformation and myths floating around about what bankruptcy means, many people who file often feel like they have "done something wrong" or are just "incapable" of handling their money. However, the cold, hard facts about personal ...
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  • When is Personal Bankruptcy Best for Your Finances?

    Posted By admin || 22-Mar-2012

    At first glance, this title might seem surprising to you. After all, popular opinions about personal bankruptcy have made it out to be one of the worst things you can do to your finances. While this opinion may have developed out of reasonable concern, the truth is that it's an unfounded myth that's preventing plenty of families from getting the financial relief they need. So when it comes down to ...
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  • How to Bounce Back from Personal Bankruptcy Faster

    Posted By admin || 21-Mar-2012

    Bouncing Back from Personal Bankruptcy Once you have filed for personal bankruptcy, you may think your finances will be suddenly out of control. Sure, it's nice to have a clean financial slate, especially after battling with a mountain of debt for so long but now that you have a personal bankruptcy on your credit score, you may think that there's no way you'll see another offer of credit from a ...
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  • Where Do I File Bankruptcy if I am Moving to Another State?

    Posted By admin || 20-Mar-2012

    When considering bankruptcy, it is important to review your income and assets; having accurate records of your finances will help the filing process move forward. But what if you are planning to relocate to a different state in the near future? The income requirement will be based on which chapter you intend to file and the income amount may reflect what you earned in the last 6 months to a year ...
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  • Debt Discharge Requirements for Chapter 13 Bankruptcy

    Posted By admin || 20-Mar-2012

    Discharge Requirements for Chapter 13 Bankruptcy If you think that the process of getting your debts discharged through a Chapter 13 bankruptcy can be a hassle, you are right - and wrong. With the help of a great bankruptcy attorney, debts re-arranged in Chapter 13 bankruptcies can be discharged rather quickly. However, there is no denying that there are obstacles that can trip up your journey ...
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  • Secured and Unsecured Debt: Understanding the Difference in Bankruptcy

    Posted By admin || 19-Mar-2012

    The Difference Between Secured and Unsecured Debt in Bankruptcy When you begin the bankruptcy filing process, you submit a list that includes all of your outstanding debt. Debts often fall into two categories: secured and unsecured. Understanding how debt is classified may give a better idea on how they will be handled during bankruptcy. What is Secured Debt? Secured debt is backed by collateral. ...
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  • Declare Personal Bankruptcy or Continue to Try to Pay the Debt?

    Posted By admin || 16-Mar-2012

    Should You File Bankruptcy or Try to Pay the Debt Off? If you are struggling to decide between declaring personal bankruptcy or paying off your debts, then it's important to address a few truths about your current financial situation. You've been struggling to keep up with the bills for a while now. You've made every attempt to make on-time payments for your mountain of credit card debt, medical ...
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  • Understanding the Significance of Bankruptcy Fraud

    Posted By admin || 16-Mar-2012

    Because bankruptcy is a legal process that is intended to help consumers and businesses deal with the debt they are unable to pay, bankruptcy fraud is considered a federal crime. Being honest and fully disclosing information and details about your situation not only helps your bankruptcy attorney understand your financial background, it helps the court in determining the best outcome for your ...
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  • How to Examine Your Personal Bankruptcy Options

    Posted By admin || 14-Mar-2012

    Let's face it: your finances are leading you down the road in a spiral of debt. You can't seem to make heads or tails of your debt. Your payments are past due and late fees keep making your debt even worse. And when it comes to paying off your debts? Unless you win the lottery you could be making minimum payments for the rest of your life. If you've been considering personal bankruptcy, it's best ...
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  • When Creditors Try to Collect During Bankruptcy

    Posted By admin || 14-Mar-2012

    When Debt Collectors Try to Collect During Bankruptcy If you have filed for bankruptcy and a creditor continues to try and collect from you, they could be in violation of the automatic stay. The purpose of the automatic stay in bankruptcy is to stop collection activity by creditors, including various forms of legal action such as wage garnishment. In most cases creditors are prohibited from ...
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  • Passing the Lesson of Personal Bankruptcy to Your Children

    Posted By admin || 13-Mar-2012

    Whether you openly discuss your personal bankruptcy in your home, or you prefer to keep that information between you and your spouse, your children are soaking up information about your finances like a sponge. If you think you are hiding your personal bankruptcy from your children, think again: between the stress and anxiety you'll be experiencing - not to mention your negative attitude towards ...
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  • Worst Financial Mistakes that Lead to Personal Bankruptcy

    Posted By admin || 13-Mar-2012

    Mistakes that Lead to Personal Bankruptcy We've all made financial mistakes in life - but for some individuals, those mistakes can have a debilitating impact on their way of life. Whether they didn't have an emergency fund to cover an unexpected medical bill, or they just couldn't get a handle on their credit card usage, these mistakes often lead to personal bankruptcy. While personal bankruptcy ...
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  • Bust the Biggest Myths About Personal Bankruptcy

    Posted By admin || 12-Mar-2012

    It's no exaggeration to say that personal bankruptcy is the last taboo in America. Let's face it: more people than ever are filing for Chapter 7 or Chapter 13 bankruptcy, yet no one wants to talk about the filing process, or even what bankruptcy really means. Thanks to this taboo attitude, there are numerous myths that perpetuate the often-scary perception of what bankruptcy entails. That's where ...
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  • Is Now the Best Time to File Bankruptcy?

    Posted By admin || 12-Mar-2012

    Bankruptcy is commonly seen as a last resort to overwhelming financial problems. Debtors often understand their debt situation better than anyone else and if other options have been exhausted, bankruptcy may be a plausible idea. Sometimes it makes financial sense to file for protection instead of continuing to let yourself struggle to make payments you can't afford. While there isn't a specific ...
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  • Bankruptcy Group Pushes for Student Loans to be Dischargeable

    Posted By admin || 6-Mar-2012

    The National Association for Consumer Bankruptcy Attorneys (NACBA) is pushing to have the bankruptcy code revised to change the way student loans are being treated according to a recent report by Reuters. The bankruptcy group feels that college graduates should be allowed to get student loan debt discharged; an argument that is being presented to Congress but not for the first time. Parents, as ...
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  • The Biggest Missteps of Filing for Personal Bankruptcy

    Posted By admin || 6-Mar-2012

    Missteps of Filing for Personal Bankruptcy When filing for personal bankruptcy, you might believe that only fraud can prevent you from successfully discharging your debts. However, there are a number of missteps you can take on the path to a clear financial slate. Therefore, if you want to successfully file for personal bankruptcy, here are the most popular missteps that will throw a wrench in ...
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