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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 […]

Before I Filed for Bankruptcy I had a 750 Credit Score: Can I Get it Back?

Many bankruptcy petitioners are extremely concerned with their credit score. Some enjoyed the benefits of a fantastic credit score pre-bankruptcy and despair ever getting it back. You may find yourself wondering, “Can I get back the 750 credit score I had before I filed for bankruptcy?” If you do, you aren’t alone. This is a […]

Obtaining a Loan Modification After Filing Chapter 13 Bankruptcy

If you are in the midst of financial crisis and your main goal is to stay in your home, the first step is often to file for a loan modification. If you have approached your lender regarding a modification for your mortgage to no avail (possibly multiple times) it may be time to consider other […]

Medical Bankruptcy: Is There a Way to Declare Bankruptcy for Medical Bills Exclusively?

If you find yourself drowning in medical bills without the money to clear the debt, you might be wondering if there’s such a thing as medical bankruptcy; a way to declare bankruptcy for medical bills exclusively. You wouldn’t be alone. In today’s world of soaring medical costs, drastically increased life expectancy, and decreasing availability of […]

What happens to my home if I file for bankruptcy?

Many worry about their living arrangements post-bankruptcy. What happens to my home if I file for bankruptcy? Will you be able to buy a home in the future if you’ve got a bankruptcy on your record? Will you be approved for long-term lease agreements even though you’ve filed for bankruptcy? Addressing the Urban Myths on Bankruptcy […]

Filing for Bankruptcy to Save Your Assets: Waiting Could Hurt You

One of the most frequent mistakes made by bankruptcy filers is that they wait too long to file. It’s natural to feel a reluctance to start the bankruptcy process. Considering filing for bankruptcy and actually filing are two very different things, but don’t allow yourself to get stuck in the considering phase too long. During […]

Your Credit after Bankruptcy: Filing Will Hurt it, but it Won’t Kill It

It’s interesting how the word credit changes when we put the word “your” in front of it. Credit is funding offered up front that is expected to be repaid at a later date, usually with an agreed upon payment plan. But when we alter it to the phrase “your credit” it’s a new game altogether. […]