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bankruptcy

Hanging Onto Your House When Filing Chapter 7 Bankruptcy

The main concern of many bankruptcy petitioners is their home. They know that bankruptcy is their best (or only) means of solving their financial situation, but they don’t want to lose their house. Many are willing to go to extreme measures not to lose their home. Consider this real life ...
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bankruptcy

HOA’s and Bankruptcy: Past Due HOA Dues

The Homeowners’ Association: some love them, some hate them, some put up with them as a necessary evil. Regardless of how or why you ended up in a community that charges homeowners’ association dues or fees, they aren’t something to dismiss out of hand. In fact, ignoring the payment of ...
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bankruptcy

Bankruptcy Means Test: Can I Deduct My Boat Payment?

A big part of determining eligibility for bankruptcy protection is the means test. So when a bankruptcy petitioner has questions about the means test, we take them seriously. Not only is it vital that all the information is accurate, but it also has to be extremely thorough. When it comes ...
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bankruptcy

Avoid the Potholes on Your Road to Recovery

You’re on the road to recovery. You’ve declared bankruptcy. You’ve received your discharge of debt. You’re starting with a clean slate. You’re considering your options for new credit accounts post-bankruptcy. You’ve picked a few, and you’ve been approved and have your account information. What should you do now? Believe it ...
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bankruptcy

Securing Good Credit After Bankruptcy: What Not To Do

Now that we’ve discussed a few of the “to do’s” associated with getting good credit after bankruptcy, we need to run through a few of the “don’ts.” What NOT To Do After Bankruptcy: Carry a Balance: Hopefully, this time around, you can avoid carrying a balance on your credit cards ...
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bankruptcy

Securing Good Credit After Bankruptcy: Secured v. Unsecured

Don’t be overwhelmed by the process. Focus on the good news: you can have good credit after bankruptcy. In fact, you will have excellent credit. Before the bankruptcy mark even falls off your credit report, you should have a 750 credit score. Simply read the dos and don’ts of securing ...
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bankruptcy

Taking On Your Credit Report: Step Six

The last thing you have to do when it’s time to restore your credit after bankruptcy is to consider any information that has been reported post-bankruptcy. Do you have any new accounts that have been opened/active since you received your discharge of debt? Make sure that any new accounts and/or ...
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bankruptcy

Taking On Your Credit Report: Step Five

After cleaning up you basic information, checking the reporting status of your various accounts, and checking out the inquiries listed on your credit, you’re ready to move on to Step Five. Step Five: Getting to Know the Rules of Time and Credit Reporting At this point it’s time to get ...
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bankruptcy

Taking On Your Credit Report: Step Four

You’ve verified and updated your personal information, residence history and employment history. You’ve gone through the accounts reporting to your credit report to verify they are accurately listed as discharged with a zero balance. You’ve requested any erroneous accounts reporting to your credit be removed. Now it’s time to talk ...
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bankruptcy

Taking On Your Credit Report: Step Three

Now that you’ve removed erroneous information, made sure any “holes” were filled with the accurate information and done an overall Spring Cleaning on your credit report, you’re ready for Step Three. Step Three: Verify That Accounts Are Reporting Accurately Remember the reason you filed for bankruptcy? It was for the ...
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