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Foreclosures and Bankruptcy - Protecting Your Home

Losing a home to foreclosure can be a stressful occurrence.  When a person can no longer make payments on the home for whatever reason the result is a bank foreclosure.  The bank can then take and sell...

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Medical Expenses - #1 Reason for Personal Bankruptcy

Forbes magazine last March cited medical costs as the number one reason for filing personal bankruptcy.  There is a good chance that high medical costs will remain constant into the foreseeable future....

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Do You Need to Hire a Bankruptcy Attorney?

Many people who find themselves considering bankruptcy as a option are often tempted to try and file it themselves. Someone who is considering bankruptcy obviously has financial issues, and the idea of...

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Should I File Bankruptcy in 2011?

The economic meltdown has caused many Americans to find themselves drowning in debt.  No doubt this contributed to the new data that shows that 2010, was marked by more personal bankruptcies than any...

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How Can I Stop Wage Garnishments?

If you have a wage garnishment this likely means that you should have consulted a bankruptcy attorney a long time ago. Wage garnishments can kill a families ability to support itself. A family who has...

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What Debt will Bankruptcy Discharge?

Bankruptcy will discharge most general unsecured debt.  Receiving a "discharge" in bankruptcy means a person will no longer be legally responsible for paying the debts after bankruptcy.  Most debt is...

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Lien Stripping in Chapter 13 Bankruptcy

In Chapter 13 bankruptcy, liens such as mortgages, security interests and even voluntary liens can be stripped or reduced to the actual fair market value of the collateral.  This is often called lien...

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Federal Rule Protects Exempt Bank Funds from Garnishment

On May 1, 2011, a new federal rule went into effect.  The new rule increases protection for exempt funds in a garnished bank account.  It had become commonplace for banks, upon receiving a garnishment...

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Bankruptcy Relief in Sight for Private Student Loan Debtors?

Since the decline in the economy, a staggering number of Americans have returned to school to better their employment prospects.   Regrettably, many of these students enroll in private for-profit...

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Can I Be Thrown in Jail For Not Paying My Creditors?

I find this to be a fairly common question among my clients. Collection agents frequently advise clients that if they do not pay their debts then they will have them thrown in jail. The practice of...

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What is the Principal Paydown Plan?

Lawmakers in Congress have been struggling with a solution to the foreclosure crisis for nearly five years.  The fact is, many Americans want to keep their homes, but falling housing prices and a...

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Is Tax Debt Dischargeable in Bankruptcy?

Most people who come into my office are very confused about past tax debt. Some think that taxes are never dischargeable while others believe they always are. The truth lies somewhere in between. Tax...

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Tax Time and Bankruptcy...Is My Refund Protected?

Tax time is fast approaching and a common question is “Will I get to keep my tax refund if I file bankruptcy”?  With some careful planning you should be able to protect your tax refund from the Chapter...

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Benefits of Filing Chapter 13 Bankruptcy

There are two types of bankruptcies consumers most often file.  The most common is a Chapter 7 bankruptcy but many people find Chapter 13 to be more beneficial.  While it’s true that some people must...

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What Are the Time Limits Between Bankruptcy Filings and How Many Times Can I...

Have you filed bankruptcy before and are wondering if you are eligible to file again?  First, there is no limit on how many times a person can file bankruptcy.  You can file as many times as needed so...

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Will I Be Able to Get Credit After Bankruptcy?

Worried about obtaining credit after bankruptcy?  This is a common concern by many people contemplating bankruptcy.  Most people are scared that filing bankruptcy will prevent them from having any type...

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Bankruptcy Today for Retirement Tomorrow

Most people plan to retire when they reach a certain age, and leave the stress of working everyday behind.  Retirement brings with it its own stresses.  Especially if you have not saved adequately to...

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Student Loan Collection and Bankruptcy

Chapter 13 bankruptcy has become an attractive solution for those facing student loan collection including garnishments. While student loans are still not dischargable, collection can be halted for up...

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