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There is a prevalent misconception in the public that an individual who files for protection under the bankruptcy code (a Constitutional right as guaranteed for all lawful residents by Article 1, Section 8 of the United Stated Constitution) is a bad, reckless, or immoral...

Many individuals who file for protection under Chapter 13 do so in order to bring their mortgage current; also referred to as curing mortgage arrears. Often times, people who have been attempting a loan modification or who have lost a job, have not made a mortgage payment in many...

A frequent difficulty for many people struggling with the decision to file bankruptcy is religion. Many people with religious concerns related to filing bankruptcy believe that being relieved of their debts is immoral and counter to their religious beliefs. The belief that...

One of the first questions that a potential bankruptcy filer invariably asks is, “which of my credit cards can I keep?” and this is normally followed with, “how will I ever get a credit card again if I file bankruptcy?” Both of these questions are answered below: 1. Which credit...

Summary of Chapter 7 Timeline Prior to filing Meet with attorney and sign retainer Debtor collects documents and provides to attorney Debtor completes online class in consumer credit counseling Debtor reviews and signs all documents to be filed with bankruptcy court, t...