Bankruptcy Calculator | Social Security Included in Means Test? Bankruptcy Calculator . If you receive Social Security benefits, you are not required to include that income on the Chapter 7 bankruptcy means test. This means that whether you pass the means test depends on the amount of your income excluding Social Security. Read on to [...]
Bankruptcy Lawyer | Stop Medical Debt Collection Bankruptcy Lawyer . When you file a Chapter 7 or Chapter 13 case the protection of the automatic stay immediately stops all medical debt collections and lawsuits against you. The automatic stay also prohibits your creditors from contacting you by phone, letter, or other means to demand payment. [...]
Chapter 7 Bankruptcy | Preventing Utility Disconnection Chapter 7 Bankruptcy . Filing for bankruptcy will stop a utility from disconnecting service for 20 days, and longer if you can come up with adequate assurance of payment. Chapter 7 bankruptcy can provide immediate relief if you are in danger of a utility shut-off, including your gas, [...]
Bankruptcy Lawyer | Getting a Credit Card After Bankruptcy Bankruptcy Lawyer . Despite your recent bankruptcy, you will probably get many credit card offers in the mail or over the Internet. Most recent bankruptcy filers can get a credit card -- but interest rates and fees are likely to be very high. Bankruptcy and Your Credit [...]
Bankruptcy Lawyer | Which Debts To Pay First? Bankruptcy Lawyer . The decision to pay down your debt is a great first step toward getting your finances under control. However, it's important to prioritize which debts you pay first. Debts often grow at different rates and have different consequences for default. Throwing your limited cash at [...]
Bankruptcy Lawyer | Getting Legal Help Bankruptcy Lawyer . When financial problems become serious enough to cause stress on your personal and family life, it may be time to take legal action that might improve the situation. Whether you are thinking about filing for bankruptcy, or just want to learn more about your debt relief [...]
Bankruptcy Lawyer | How to Become Debt Free Bankruptcy Lawyer . Are the bills starting to pile up? Are debt collectors calling you nearly every day? Financial crises can happen to anyone, whether it is caused by illness; job loss; or simply living beyond one's means. Becoming debt-free may seem unattainable, but there are several options [...]
Bankruptcy Lawyer | Fair Debt Collection Act Bankruptcy Lawyer . The Fair Debt Collection Practices Act (FDCPA) was created for the sole purpose of protecting consumers from debt collector harassment by prohibiting certain debt collector behavior. It prohibits debt collectors employed by third party collection agencies from engaging in any form of debt collector harassment, but [...]
Bankruptcy Attorney | New Rules on Credit Counseling Bankruptcy Attorney . If you file for Chapter 7 or Chapter 13 bankruptcy, you must receive credit counseling from an approved agency before filing your case. In addition, you must complete a course in personal financial management (also called a debtor education course) before you can receive [...]
Bankruptcy Lawyer | When a Creditor Challenges Bankruptcy Lawyer . If a creditor challenges the dischargeability of one of your debts in bankruptcy, should you hire a lawyer to help you defend against the challenge? The answer depends on a number of factors, including: The reasons for the creditor's challenge The amount of the debt Your [...]