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March 2019 Archives

I failed the means test. What happens next?

Consumers often get uneasy when they fail the means test to file a Chapter 7 bankruptcy, but in actuality, it can be a positive thing rather than a negative indicator. For one, it means that you have a good income, as that can ease you through the Chapter 13 bankruptcy process.

What power do debt collectors really have?

Sure, they can be quite annoying, but debt collectors aren't nearly as powerful as they may threaten they are to debtors. These third-party debt collectors do have the right to take you to court to pay your debts, but if you have little money or few assets, they may not even bother.

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