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Filing Bankruptcy Without Your Spouse in New York

Many people don’t know that they do not have to file bankruptcy with their spouse. You can file it on your own, and there are many times when it’s advantageous to do so. Filing without your spouse can introduce many complications to your bankruptcy case, and you will need an attorney to navigate them effectively.…

What is Emergency Bankruptcy?

An emergency bankruptcy is a fast way to stop a foreclosure, eviction, or repossession. It can also halt an impending wage garnishment in its tracks, stop a bank levy, stop a personal property seizure, or stop a debt collection lawsuit. While ideally you would have filed long before the matter became urgent, sometimes it takes…

Will I Lose My Life Insurance Policy in Bankruptcy?

It’s reasonable to worry about the fate of certain assets during bankruptcy, especially big nest eggs like your life insurance policy. Especially if you’re declaring bankruptcy after the age of 65.  This is one of those areas of bankruptcy law that effortlessly helps to demonstrate why it’s so important to have an attorney when you…

What is it Like to Declare Bankruptcy?

Credit card companies, big banks, and even medical institutions have done a great job of convincing the American public that bankruptcy  is the boogeyman. A thing to be avoided at all costs. Meanwhile, corporations declare Chapter 11 whenever they get into trouble, and nobody loses any sleep over it. What’s bankruptcy really like? Is it…

Can Creditors Send You to Jail?

Technically, the United States of America isn’t supposed to have debtor’s prisons. However, in some areas of the country, low income people are fighting to stay out of jail because they owe debts they can’t pay.  Creditors are getting around the law by suing debtors, winning judgments against them, scheduling debtor’s exams and then having…

What is Zombie Debt?

Every day, people buy spreadsheets for huge sums of money. On the spreadsheets: names, phone numbers, sometimes addresses. Creditor names. And dollar figures, supposedly representing an amount known to those creditors. The third-party debt-collection industry buys as many of these spreadsheets as possible, at “pennies on the dollar” price points compared to the amount owed.…

What Happens if I Give My Car Back to the Finance Company?

It’s natural to start looking for options when your car payment turns out to be a little harder to manage than you expected it to be. If you’ve already explored refinancing and have been denied, what is your recourse? You might try to sell the car, but many people in your situation are upside down…

This Letter Template Will Get Debt Collectors Off Your Back

If you’re tired of dealing with a phone that rings off the hook because creditors won’t stop calling you, take heart. You don’t have to put up with it.  You have rights under the Fair Debt Collection Practices Act. If you don’t want to put up with it though, you’re going to have to take…

4 Things to Do Before Paying a Debt Collector

Debt collectors pressure, badger, and browbeat people into paying debts, but that ending up on the phone with one isn’t a sufficient reason to whip out your wallet. In fact, if a debt has gone all the way to collections there are several steps you should take before you pay them a cent. Fail to…

What to Do If You Need to Buy a Car During Your Chapter 13 Bankruptcy

Many people are surprised to learn it’s possible to purchase a vehicle during Chapter 13. Bankruptcy law recognizes that few people can manage their daily lives without some form of transportation. The law also recognizes that your current car may not list throughout the entire two to five year period during which you’d be making…

 
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