Surviving Sequestration

Using Sequestration to get Free Through Chapter 13 Bankruptcy Your right to file for bankruptcy was carved into the Constitution by the founding fathers of this nation in Article 1 Section 8 of the Constitution, before the right to free speech and the right to bear arms. Our market economy relies upon the acquisition of debt to allow us to purchase homes, automobiles, and take chances as … [Read more...]

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How are Co-Signers Affected by Bankruptcy Filing?

In order to obtain a loan, whether it is a personal, car, mortgage or other financial loan, often times it proves necessary for individuals to utilize a co-signer. Co-signers are necessary if the applicant does not have strong enough credit in order to receive the loan, or the co-signer just helps reduce the overall interest rate applied to the loan. However, the co-signer is not just a name … [Read more...]

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Repairing Your Credit Score After a Bankruptcy

Declaring bankruptcy provides a second chance for those who cannot pay their bills. There are many factors that can lead to a bankruptcy, such as unemployment or illness, or maybe even a death in the family. Although a financial second chance is a great opportunity, there are consequences to declaring yourself bankrupt. For example, reopening lines of credit can be difficult. However, it is not … [Read more...]

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A “Cliff Notes” Version of Filing for Bankruptcy

If you are filing for bankruptcy, you have a lot on your plate. It is so much easier when things are broken down for you to understand; what procedures, which forms, and which chapter are you classified under.  You can hire someone to answer those questions, and they will likely walk you through all of that.  But if you would like to go into your bankruptcy filing appointment with an … [Read more...]

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How Social Media Posts Can Affect Bankruptcy

Debtors who declare bankruptcy will either face liquidation of their assets or a strict, court supervised debt repayment plan. What many people do not realize is how social media posts can affect bankruptcy. No Privacy When you post details of your life on social media websites, this information is freely available to anyone who wants to read it, including debt collectors. Debt collectors … [Read more...]

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Getting Back On Your Feet After Filing For Bankruptcy

Anyone who has ever been in debt can imagine how good it would feel to be debt free. For many, that goal spurs them on to keep repaying their debts and in some cases overpaying debts to erase debt more quickly.  Everyone in debt would like to be debt free, whether that debt is their mortgage, their credit card, their overdraft or a loan, but not everyone would need to consider bankruptcy. The … [Read more...]

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On Declaring Yourself Bankrupt

Dealing with bankruptcy such as personal bankruptcy is without a doubt one of the most stressful situations you can find yourself in during adulthood. As you see your biggest priority as debt management you can often easily overlook other parts of your life. If you are declaring yourself bankrupt it is easy to loose focus on what is usually very important to you. By doing this you are actually … [Read more...]

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How To Claim Bankruptcy And Move On With Your Life

Bankruptcy should be considered an absolute last resort and never just a way to clear your debts. Knowing how to claim bankruptcy is the first step to finding out if this is the solution for you. Moving on with your life following bankruptcy can also be difficult so here we look at how you can claim bankruptcy and also move on into a healthier financial situation. Firstly and most importantly … [Read more...]

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Getting Protected With Joint Term Life Insurance

Once you reach a certain age or stage in your life you need to consider the future more and more often. We all consider insurance an important part of owning a home or expensive material items but unfortunately we don’t always so quickly associate it with our own lives. Joint term life insurance is a great way to protect your partner and family once you’re gone. While it is not pleasant to … [Read more...]

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Bankruptcy Services – What Lawyers Offer

Specialized lawyers today can offer a range of bankruptcy services and advice to those in need of their help. Bankruptcy can not only have financial but emotional implications on your life and having an expert there to guide you through the process can make all the difference. Most people don’t realize there are several different forms of bankruptcy for individuals and companies. With the … [Read more...]

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Two Difficult Money Problems In One: Bankruptcy and Divorce

Divorce and bankruptcy often go hand in hand. Although it's sad, sometimes money problems can lead to issues which simply cannot be resolved. If debt is a major factor behind the divorce, it can be difficult to know which should come first, or if they should be occurring simultaneously. Consulting both a Minnesota bankruptcy lawyer and a divorce lawyer will let you know the specifics of what may … [Read more...]

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Keeping Your Assets In Chapter 7 Bankruptcy

Filing bankruptcy is a big decision.  Most of the time people are so overwhelmed with their financial burden that actually speaking to a bankruptcy services attorney is a painful process. These problems may be the effect of their "I need money now" attitude. To make matters worse, there are quite a few myths floating around concerning the rules and guidelines in Chapter 7 bankruptcy cases. What … [Read more...]

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Understanding the Fundamentals of Credit Card Bankruptcy

In an economy plagued with recession, foreclosures, and unemployment, the percentage of people hurrying to file bankruptcy claims is increasing at an alarming rate. The most common culprits for financial failures are triggered by unforeseen hospital bills followed closely by that of credit card bankruptcy. In a nutshell, when one files for bankruptcy, their outstanding credit card bill … [Read more...]

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How Much Are Bankruptcy Filing Fees?

When someone that is deep in debt and is living pay check to pay check and they come to the realization that they need to file bankruptcy - they always fear how much are bankruptcy fees going to cost them to even get started to file bankruptcy. The reality of the issues they don’t really have to worry about the fees once they make a decision to file bankruptcy. The next issue they most likely will … [Read more...]

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Should You Intentionally Go Bankrupt?

As your credit card bills continue to pile up, you may be asking yourself whether it might be time to go bankrupt. As the US economy continues to struggle, millions of Americans find themselves in an impossible predicament with mountains of debt that they simply cannot pay back. Although many people may jump to conclusions, proclaiming that these debtors deserve their newfound hardships, the truth … [Read more...]

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