Why Chapter 13 is So Nifty

Chapter 7 is short and sweet and to the point. It often gets what you need—a discharge (a legal write-off) of all or almost all of your debts. But in SO many situations, Chapter 13 gives you so much more.  A couple blogs ago I showed a simple Chapter 13 case works. In my example, […]

A Simple Chapter 13 Case

If you have debts that can’t be written off (“discharged”) in a “straight” Chapter 7 case, such as back child support or recent income taxes, Chapter 13 can be a much better alternative. A couple blogs ago I wrote about the discharge of debts under Chapter 7. I ended by saying that if you have […]

The Trustee in Chapter 13

In Chapter 13 the trustee is a gate-keeper, overseer, and payment distributor. Quite different than in Chapter 7.

The Goal of Bankruptcy: the Discharge of Your Debts

Most—but not all—debts are written off, or “discharged,” in a bankruptcy case. Is there a simple way to know what will and what will not be discharged?   There is nothing more basic than bankruptcy’s main purpose, getting a fresh financial start through the legal discharge of your debts. Both kinds of consumer bankruptcy can […]

The Trustee in Chapter 7

In bankruptcy you hear a lot about “the trustee.” What does this person do, in a “straight” Chapter 7 case, and in an “adjustment of debts” Chapter 13 one?

“Automatic” Protection from Your Creditors

Many bankruptcy attorney ads say: “Stop garnishments.” “Stop foreclosures.” “Stop repossessions.” So bankruptcy stops all those bad things. But is it as good as it sounds? How does it really work?   There’s nothing more basic than getting immediate protection for you, your paycheck, your home, and your possessions. You get this protection the minute […]

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