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Picking and Choosing: Bankruptcy & Creditors

When you file for bankruptcy, you do not have the choice of choosing which creditors to list in your bankruptcy – there is no picking and choosing! Your list of creditors should be all-inclusive even if you plan to pay them off yourself or even if they are not eligible for discharge. Student loans, delinquent income […]

Post-Bankruptcy: Rebuilding Your Credit

Credit rebuilding is of no small importance in the life of a post-bankruptcy individual. Many of these individuals, however, have trouble finding a substantial source of income and, therefore, they may believe they will have some difficulty rebuilding their credit scores. I could understand why one would believe this, but there’s hope. If you are […]

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. […]