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Should I Keep Paying Bills or Stop Paying My Bills if I’m Filing for Bankruptcy?

One of the most common questions from individuals who are about to file bankruptcy or are in the process of filing is, “Should I keep paying my bills or stop paying them before I file?” Since most who have decided to file for bankruptcy are either very overextended or delinquent, it’s not surprising that the …

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How Soon Can I File Bankruptcy for the Second Time?

We don’t live in a perfect world. That’s why there are laws in place that are there to protect us from our own mistakes. One such helpful tool the law provides for us is bankruptcy. Sometimes we find ourselves in an impossible financial situation by no fault of our own. Sometimes we find ourselves in …

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Protecting Assets in Bankruptcy with California Exemptions

Many assume that when declaring bankruptcy, all assets are lost to creditors. That’s simply not true. In many bankruptcy cases, debtors are able to keep everything and lose nothing (other than their overwhelming debt). Some or all of the filer’s assets are exempt. Exemption means that the specified property cannot be taken and sold by …

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Slim Down Your Lifestyle Post-Bankruptcy

You’ve declared bankruptcy. It’s final. You’ve received your discharge. You have a fresh financial start…and some new challenges to deal with. Firstly, your credit rating has taken a hit. Considering the nature of bankruptcy, it probably wasn’t great to begin with, but bankruptcy will still affect your score. Your bankruptcy will be listed on your …

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An Overview of California Personal Bankruptcy Options: Chapter 7 and Chapter 13

If you find yourself in an impossible financial situation, you are not alone. Hundreds of thousands of Americans find themselves in the same situation every year. Those hundreds of thousands turned to bankruptcy for a clear-cut solution. Many others are still out there, struggling to make ends meet or failing to make ends meet. The …

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