People have been filing for bankruptcy for many decades. Bankruptcy is the process of relieving overwhelming debt. Filers can have their debt obligations (medical bills, credit card debt, etc.) discharged in just a few months or years – depending on the type of...
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Personal Bankruptcy
What debts can be discharged in bankruptcy?
Filing for bankruptcy is a chance at a fresh financial start. As part of the process, certain debts are discharged so the person who’s filing can get rid of their obligations without struggling to pay them for any number of years. Anyone who’s considering this option...
What is the difference between business and personal bankruptcy?
You likely already know that bankruptcy is available for both individuals and businesses. However, can you differentiate between these two processes of eliminating debt? The obvious difference is that when a person files for bankruptcy, that is personal bankruptcy and...
Fighting the myths that keep people from filing bankruptcy
There is a lot of misinformation out there about bankruptcy, and if you believe that inaccurate information, it might stop you from filing. Bankruptcy exists to protect people when their debt reaches a point where they can't control it or when they unexpectedly lose...
3 signs it may be time to file for bankruptcy
Car, house and credit card payments can add up over time. If what you make is below or barely exceeds the debts you owe, this can be incredibly stressful. No matter a person’s career status or annual income, debt can consume their life for years. Fortunately,...
How to rebuild your credit after bankruptcy
Bankruptcy is a chance to reconcile the past with a fresh start. Reorganize debt and protect your assets from creditors. Regain firm financial footing. Rebuild your confidence and dignity. It does not have to be so daunting because you are not alone. Almost 97% of...
Can you discharge your tax debt during bankruptcy?
Most people dread tax season. It’s the time of year where most adults have to collect every financial detail from the past year and see what they owe to the government. Some people are lucky enough to receive refunds, but it’s not always the case. Many times, 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...
Why social media is not your friend during bankruptcy
Did you know that a creditor can use your posts on social media profiles against you, even if they are set to private? If you file for bankruptcy, be aware that what you post can and will be used against you. Honesty is mandatory If you are a very public person or you...
Can I use credit cards during bankruptcy?
Many people decide to file for bankruptcy in order to get a fresh start from their debts. When they are in the process of paying off their debts; however, they may want to have credit cards as an extra form of financial security. Having credit cards is convenient, and...