In most cases, individuals who file for Chapter 13 bankruptcy have suffered from a temporary loss that has put them too far behind in debt to catch up on their own. Chapter 13 bankruptcy does not completely erase debt, but consolidates debt and restructures it into a monthly payment plan that is affordable. Usually people […]

Are you facing foreclosure or a repossession? Bills piling up and the calls never seem to stop? Are your wages being garnished or have you been threatened with collection lawsuits? Or simply need a solid repayment plan to get out from under your debt because somehow you never seem to get ahead of rising interest […]

How Chapter 7 Works A chapter 7 case begins with the debtor filing a petition with the bankruptcy court serving the area where the individual lives or where the business debtor is organized or has its principal place of business or principal assets.  In addition to the petition, the debtor must also file with the […]