E.L. Clark

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Does Bankruptcy Clear All Debt?

If you’re dealing with a lot of debt, bankruptcy may be a good option for you. Many types of debt can be eliminated through bankruptcy. However, it’s important to know that not all debt can be cleared in a bankruptcy case. The way debt is eliminated and types that can be cleared depend on the type of bankruptcy you use.

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How to Pay Off a Chapter 13 Bankruptcy Early

Chapter 13 bankruptcy can give you much needed debt relief. It can establish a payment plan that will allow you to keep your home, car, and other personal property. However, the Chapter 13 bankruptcy process can be extensive. It can take years to complete, and some people want to get it over with sooner rather than later.

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Can I Declare Bankruptcy and Keep My Car?

Bankruptcy can offer relief from many of your debts; however, in some circumstances you will have to sell certain assets to repay those debts. Depending on what type of bankruptcy you decide to file, you may or may not be able to keep your car.

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Can Student Loans Be Discharged in Bankruptcy?

Student loan discharge is not automatic in bankruptcy like so many other types of debt. In many cases, you cannot get student loan debt discharged. However, there are circumstances where student loans may be discharged if you can meet necessary requirements.

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Does Bankruptcy Clear Tax Debt?

Some tax debt can be eliminated through bankruptcy. However, the majority of what you owe to the IRS or a state tax agency will probably have to be paid. It’s important to work closely with an experienced tax and legal professional who understands the nuances of discharging tax debt through bankruptcy. They can help you navigate the legal issues that will arise when you file for bankruptcy and try to clear your tax debt.

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Does Chapter 13 Bankruptcy Stop Foreclosure?

Bankruptcy can be used to stop foreclosure permanently or temporarily. When you file for bankruptcy, an automatic stay will be issued, which will force your home credit company to stop all collection actions, including foreclosure. You will have additional time in your home to catch up on payments.

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Can You File Bankruptcy on Medical Bills?

Yes, you can have most or all your medical bills eliminated through personal bankruptcy. In fact, medical bills are one of the primary reasons that individuals seek bankruptcy. You can get rid of medical debt and start fresh through Chapter 7 or Chapter 13 bankruptcy.

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Can You Buy a House After Bankruptcy?

Yes, you can buy a house after bankruptcy. A bankruptcy is not a permanent black mark that prevents you from financial normalcy. However, you’ll want to know more about the process before jumping into new debt like a mortgage.

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How Long Does Chapter 7 Bankruptcy Last?

A Chapter 7 is one of the fastest routes through bankruptcy, taking as little as four to six months to complete in many cases. However, it will remain on your credit report for up to 10 years after the date that you filed. Thus, Chapter 7 can offer fast relief, but it will still have some consequences for long after you receive a discharge of debts.

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How Many Times Can You File Bankruptcy?

There are no limits on how many times you can file bankruptcy. However, there are wait times between when you can file another Chapter 7 or Chapter 13 personal bankruptcy. Further, filing bankruptcy multiple times may have consequences on your credit.

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Past Due Utility Bills and Bankruptcy Explained

When an individual files for bankruptcy protection, they commonly do so by filing with Chapter 7 of the bankruptcy code. This affords the opportunity for liquidation, which provides relief to people regardless of the overall amount of money they owe or (in most cases) who they owe it to.

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Is Filing for Bankruptcy Common in Georgia?

When someone files for bankruptcy, they typically do so because they’re looking for something of a “fresh start” when it comes to their existing debts and credit. Maybe a series of unfortunate financial decisions over the years has led them to the position they are now facing. Perhaps it was a matter of circumstance – they were a victim of larger situations (like economic activity) that are largely beyond their control.

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Financial Situations That Could Call For Chapter 7 Bankruptcy

Chapter 7 bankruptcy is a financial tool for those who have become unable to pay their debts. If approved, some types of debts no longer require repayment, allowing the individual to have a fresh financial start. Click here to read more »

Rebuilding Credit After a Chapter 13 Bankruptcy

Also commonly referred to as a “Wage Earner’s Plan,” Chapter 13 is a specific type of bankruptcy filing that is designed for those with a regular source of income. It’s a chance to come up with a long-term plan to repay all – or even some – of the debts they have incurred over time.

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Will I Lose My House If I File Bankruptcy?

You may be considering filing for bankruptcy but are worried about losing your house if you do.

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What Happens When A Co-Signer Files Chapter 7 Bankruptcy?

People who have poor credit or a limited credit history may choose to apply for a loan using a cosigner. When agreeing to become a co-signer, the applicant with stronger credit takes on the legal obligation to pay the debt incurred by the primary applicant in case of default. A common example of this scenario is when a parent co-signs a loan for a young adult child’s first car or student loan.

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What Should I Expect From My Bankruptcy Lawyer

Filing for bankruptcy might be your answer to getting out from under crushing debt. It is not an easy process, though. There are complex legal filings necessary to complete a bankruptcy, which is why you will likely need a lawyer. Finding the right one is critical to your success, though. 

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Need to File Bankruptcy? Know Your Options!

Struggling to pay back your debt? Feel like you’ll never experience financial freedom? If you’re feeling overwhelmed by seemingly insurmountable debt, the good news is that you have options. For many individuals and business owners alike, filing for bankruptcy can help to alleviate much of the stress that comes along with excess debt.

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Steps to Filing Chapter 7 Bankruptcy

Do you feel overwhelmed with debt? Do you avoid answering the phone or opening your mail hoping to avoid the bill collectors? If so, filing for Chapter 7 bankruptcy may be the answer you are looking for.

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Six Steps to Follow When Filing Chapter 13 Bankruptcy

Filing for Chapter 13 bankruptcy in Georgia is a process governed by federal law, not state law. This is not to say, however, that Georgia law isn’t part of Chapter 13 bankruptcies filed in the state. In fact, it is these laws that outline the property that can be protected from liquidation. 

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