You certainly never meant to get head over heels in debt. Yet, here you are, barely scraping by, juggling bills and dodging creditors. You don't even know where to start straightening out your tangled finances. Slow down. Take a deep breath. There's a path for getting...
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Chapter 13 Bankruptcy
What are the differences between Chapter 11 and Chapter 13?
Individuals who are contemplating filing for bankruptcy to get out of debt may wonder whether they should avail themselves of the financial relief provided under Chapter 11 or Chapter 13. In most instances of consumer bankruptcy, Chapter 13 will be the more...
Is a kid’s college fund protected in bankruptcy filings?
If you've been socking away money for your child's college education since he was wearing diapers, it is understandable that you would not want any subsequent financial stress you may have to cause that money to be lost in a bankruptcy proceeding. The good news is...
Is the shutdown leaving you in debt? Look at your options
If you are a federal worker in or around Tampa and are furloughed right now -- or worse, working without pay -- you may be struggling mightily to make ends meet. You might not be fortunate enough to have an emergency stash of cash to meet your basic needs and pay the...
It doesn’t hurt your credit rating to check your score
When was the last time that you checked your credit score? Has it been awhile? Maybe you are afraid to see how bad it really is, or perhaps you mistakenly believe that checking your credit score can damage your credit rating. That is not the case, and it is actually a...
Who can file for Chapters 11 and 13 bankruptcies?
The first thing that debtors often ask their bankruptcy attorneys is what property they will be allowed to keep and what they will need to surrender. The property you are permitted to keep is known as "exempt" property. Chapter 11 and Chapter 13 bankruptcies are debt...
Could you sabotage your own bankruptcy filing?
If you have decided to file for Chapter 13 bankruptcy, you may have heaved a sigh of relief. You won't have to surrender your property and have bought yourself the time to disentangle yourself from the chains of debt. But before you drop your guard entirely, it's...
When is a Chapter 13 bankruptcy filing preferable to Chapter 7?
When a person is struggling with overwhelming debts, the right path for them to get a fresh start will depend on their specific circumstances. This is why there are so many types of bankruptcy to choose from. If you are considering filing for bankruptcy as an...
How to manage debts through monthly payments
If you are struggling with managing debts that have arisen over time, it is likely that you have been finding it difficult to hold yourself accountable when it comes to sticking to your monthly budgets. If you bury your head in the sand and ignore your repayment...
Why should I file for Chapter 13 bankruptcy?
If you are currently unable to pay your bills on time you may want to consider bankruptcy as an avenue to resolve your debt troubles. In the vast majority of cases, individuals in debt trouble will need to file for Chapter 7 bankruptcy or Chapter 13 bankruptcy....