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Forced to File Chapter 7 Bankruptcy: To Reaffirm or Not to Reaffirm?

If you are underwater on your house and find yourself past due on your mortgage, you may feel that your hand is being forced. You might feel that you have no other choice, but to file for bankruptcy. Feeling forced to file for Chapter 7 bankruptcy isn’t the best situation, but you do still have […]

Forced to File Chapter 7 Bankruptcy: To Reaffirm or Not to Reaffirm?

If you are underwater on your house and find yourself past due on your mortgage, you may feel that your hand is being forced. You might feel that you have no other choice, but to file for bankruptcy. Feeling forced to file for Chapter 7 bankruptcy isn’t the best situation, but you do still have […]

Credit Cards and Bankruptcy – “Saving” Cards from Bankruptcy Discharge

Many southern California bankruptcy experts would argue that the single most important thing you need to do when considering filing for bankruptcy is STOP using your credit cards. The worst thing you can do for a potential bankruptcy case is to give the appearance that you are “running up” your credit account balances. Receipt of […]

Bankruptcy Proceedings: Does Filing for Bankruptcy Mean I Have to Go to Court?

Bankruptcy is a legal process so it’s not surprising that many consumers considering filing Chapter 7 or Chapter 13 worry about what will be required of them. First and foremost at the top of the anxiety list for many is one question: Will I have to go to court during my bankruptcy case? Frankly, it’s […]