chapter 13 bankruptcy

Have your bills eclipsed your paycheck by a few zeroes? Or maybe your business is going through a bad cycle -- or three. It's easy to get caught up in the cycle of paying overdraft and late fees until you are no longer even paying down the principal of your debt. We...

If you are struggling to pay your bills, your head may be swimming with potential solutions to your insolvency problem. It's a good idea to try to resolve your debt delinquencies. However, "solutions" can cost you money and offer very few real routes out of debt....

When you get behind on your bills, it can be a scary experience. Creditors blow up your phone with calls and your mailbox is stuffed with dunning letters seeking payment. You might also receive letters from companies offering to negotiate longer terms or a lower...

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...

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...

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...

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...

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...

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...

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...