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If you’re considering filing for Chapter 7 bankruptcy, there’s one critical hurdle you may need to clear: the Means Test. This financial calculation determines whether you qualify for Chapter 7 or if the court will require you to file under Chapter 13 instead....
If you’re drowning in debt and looking for a way out, bankruptcy may be the fresh start you need. But once you begin exploring your options, you’ll quickly run into one of the most important questions in the process: Should you file Chapter 7 or Chapter 13? At...
For homeowners struggling with debt, Chapter 13 bankruptcy offers a powerful tool called lien stripping. This process can help eliminate certain second or junior mortgages when your home is worth less than the amount owed on your first mortgage. Lien stripping can...
Filing for bankruptcy can be a complicated process, and one of the first steps for individuals considering Chapter 7 bankruptcy is completing the means test. This financial evaluation helps determine whether someone qualifies for Chapter 7, which can discharge certain...
Filing for bankruptcy can be a difficult decision, often filled with uncertainty and stress. However, understanding the process can help ease your concerns and prepare you for the steps ahead. This guide outlines what to expect during the bankruptcy process, providing...
Filing for bankruptcy can provide much-needed financial relief during times of overwhelming debt, but it also has a significant impact on your credit score. Understanding how bankruptcy affects your credit and learning effective strategies to rebuild it can help you...
When it comes to bankruptcy, misinformation can cause unnecessary fear and hesitation. Many myths surround the process, often discouraging people from seeking the financial relief they need. Here, we’ll address some of the most common myths and set the record straight...
Debt collector harassment is a common issue that can leave individuals feeling overwhelmed and helpless. From aggressive phone calls at all hours to unfair practices like attempting to collect already-paid debts, these unethical tactics can make an already stressful...
If you’re considering bankruptcy, one common concern is whether it will appear on a background check. In California, the answer varies based on the type of bankruptcy filed and the specific background check conducted. Here’s what you need to know to make informed...
If your home is in foreclosure, it’s essential to know your rights. Many homeowners assume they must leave immediately or that creditors can enter their property, but this is far from the truth. Understanding the foreclosure process and your legal protections can help...