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Deciding whether to file for bankruptcy is difficult enough, but on top of that, the details for filing can be confusing. It is extremely common to have questions when considering filing for Chapter 7 or Chapter 13 bankruptcy. Here are the answers to some of the most commonly asked bankruptcy questions. Will bankruptcy eliminate all…
Many individuals who find themselves in serious debt never consider bankruptcy because they think a filing will make it impossible to ever rent a place (let alone buy one), be accepted for a new job, or start a new line of credit. While it is true that a bankruptcy filing has serious impacts on your…
Deciding to declare bankruptcy can be a difficult situation, no matter where you live. For those who reside in Las Vegas, it is possible to file for Chapter 13 bankruptcy. This move can actually be a relatively simple process designed to get you back on your feet as soon as possible. You can start by…
Rumor has it that the economy is on the road to recovery. Unfortunately, businesses are still suffering from years of the economy being in the trash. If you are the owner of a small business that is struggling financially, you might be wondering whether or not it is time to consider talking to a BK…
The only thing that could be worse than being in a position where you need to consult with bankruptcy attorneys in Las Vegas is making the mistake of hiring a bad one. The unfortunate truth is that not all bankruptcy attorneys in Las Vegas are the same. Some are better equipped to do their jobs…
The fact that filing bankruptcy is a little on the expensive side is ironic. After all, most people who file bankruptcy are doing so because they are broke. What exactly does a person do if they need to file bankruptcy, but they are so broke they can’t? Dealing with Attorney Fees The biggest expense you…
Many people hesitate to file for bankruptcy for fear of harming their co-signer’s credit. Contrary to popular belief, it is possible to file for bankruptcy while keeping your co-signer’s credit fully intact, although this wasn’t always the case. Here is what you need to know if you have a co-signer and are considering filing for…
We’d all like to save on our daily expenses, but not all of us find joy in extreme couponing and penny pinching. Not to worry – we’ve gathered the best tips from Twitter that allow you to save money without losing your sanity. Here are the top 10 budgeting tips, according to Twitter: 1. Make…
Many people assume that the cost of filing for bankruptcy may interfere with paying for essential bills like rent and utilities, possibly leading to an eviction. The truth is that the Automatic Stay protection immediately stops the collection process for many existing debts, and may even provide protection from foreclosure or eviction. Here’s what you…
A creditor mailing matrix (or creditor mailing list) is an alphabetical list of all the people and companies to which you owe money. Any debts you owe to a creditor that are not listed in your creditor mailing matrix will not be discharged through your bankruptcy case. In bankruptcy proceedings, a notice that you’re filing…
If you fall behind on your payments, your creditor may sell your debt to a collections agency or debt purchaser. While creditors and their debt collection agencies are allowed to take reasonable actions to collect money from you, the Fair Debt Collection Practices Act (FDCPA) grants you certain rights to protect you from harassment. The…
Bankruptcy and financial struggle can be frustrating, but it can also provide a much needed opportunity to start fresh. Use this opportunity to reflect on personal finance in the scheme of things. The following nine songs help put things in perspective: 1. Hard Knock Life – Jay Z Jay-Z may have it all now, but…