If you are staggering under a mountain of debt and have a second mortgage on your home, you may wonder if you could benefit from lien stripping under a Chapter 13 bankruptcy filing. Lien stripping is a process that denies creditors holding a second mortgage from...
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chapter 13 bankruptcy
Did you get sucked into a scam? Find legal ways out of debt
Indebted consumers who are struggling with a mountain of debt are prime targets for con artists and scammers. The crooks realize that desperate people often are frantic to get out of their financial distress, and they exploit this vulnerability. One scam making its...
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...
Are you being hassled by creditors?
It's anxiety-producing to try to dodge repeated calls from creditors at home and especially at work. After all, if you are so behind on your bills that you are being pursued by creditors, it's likely that you are well aware of your financial woes. Creditors have the...
Should I file for Chapter 13 bankruptcy?
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...
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...