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chapter 13 bankruptcy 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.

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.

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 bills.

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 very good idea to check your scores regularly so you can be aware of any changes or errors.

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 responsibilities for long enough, it is possible that you will face very serious consequences. For example, you may lose your home and have your car repossessed.

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