Learning Center
Can I keep my credit cards after I file for Chapter 13 bankruptcy?
Generally, NO. Under some circumstances you may be able to keep your credit cards. There are many factors which must be considered…
Can I keep my car after I file for Chapter 13 Bankruptcy?
YES. If your car is mortgaged to a creditor as security for a loan, you will be expected to pay an amount to the creditor at least equal to the value…
Will my spouse be affected if I file for bankruptcy?
As a general rule, the answer is no. If your spouse does not file the bankruptcy court has no jurisdiction over your spouse. However…
How long do I have to wait to file bankrupty a second time?
If you have completed your Chapter 13 Plan, and paid at least 70% of your unsecured debt, there is no waiting period…
Can I file for bankruptcy a second time?
The general rule is that one is eligible for another Chapter 7 discharge of one’s debt eight (8) years from the date the prior case was filed…
What should I avoid if I’m contemplating bankruptcy?
There are several areas related to this question. You should consult your attorney. In particular there are three items worth mentioning…
How do I re-establish my credit after filing Chapter 13 Bankruptcy?
There are at least two ways to get credit after a bankruptcy. First, one of your existing creditors may continueto grant you credit based upon…
Can I get credit after filing for Chapter 13 Bankruptcy?
Surprisingly to most folks — YES. This is up to each particular credit grantor. In my experience, it is possible to get credit if the credit grantor believes…
Are refinancing or debt consolidation better options than Chapter 7?
In most cases it is a bad idea to convert unsecured into secured debt. Before making such a decision, consult with an experienced bankruptcy attorney…