Bankruptcy News

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Bankruptcy and Covid-19

For many of you reading this post the world was fine up until Covid-19.  You were working and your bills were being paid.  You may not have had much but you were not behind on things.  You were looking at an economy that had slow but steady growth for the last 10 years.    Covid-19 destroyed…

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Advantages of Debt Management vs Debt Settlement

Debt management through bankruptcy vs. debt settlement through a credit consulting firm is an ongoing debate between bankruptcy attorneys and firms offering debt relief to consumers. Essentially, they are each a different solution to the same problem – each option aims to make your debt more manageable, but with advantages and disadvantages that can have…

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Car Payments and COVID-19

Many people are experiencing job loss or shortened hours due to the coronavirus, or COVID-19. Still others are seeing increased expenses due to children being at home and increased childcare and food costs. When people are struggling to make ends meet, they may get behind on their car payments. Due to the pandemic, some car…

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Protected Property in Bankruptcy

Many people struggling with debt are afraid of filing bankruptcy because they believe they will lose everything, especially their house and their car. However, bankruptcy law protects certain property from being taken by the bankruptcy trustee. The property protected varies by state, and what protections apply to you depend on how long you have lived in…

Student loan bankruptcy

Student loans in Bankruptcy

Many people are currently struggling to pay their student loan payments and may be wondering if bankruptcy can help them. They may have heard that bankruptcy cannot get rid of student loans and think there is no way for them to get relief from student loan garnishments. While bankruptcy generally will not eliminate your student loan debt,…

Student loan bankruptcy

Bankruptcy – CAN I DISCHARGE STUDENT LOANS?

  Student loans can be discharged in bankruptcy under special circumstances, however, the process is difficult and expensive.  Like many other courts, Kansas follows a Brunner test, to determine if you can show that repayment of student loans would cause you undue hardship. Under the Brunner test, there are three factors to determine if your student…

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Why Should You Hire A Chapter 13 Bankruptcy Attorney?

A Chapter 13 bankruptcy attorney can help you file a bankruptcy to stop creditor phone calls, letters and other collection actions against you. After filing a Chapter 13 bankruptcy creditors must stop any actions against you to collect on outstanding debts. This is what we call an Automatic Stay. Automatic stay can effectively put a…

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How Foreclosure May Be Avoided With Bankruptcy

Foreclosure on your home is a traumatic event that, unfortunately, many Americans are faced with every day. The loss of a reliable source of income or some other cause of financial hardship can render a person incapable of saving their property when the mortgage is in serious arrears. For many, bankruptcy often provides a way…

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Stopping Wage Garnishment – Can Filing Bankruptcy Help?

  Stopping a garnishment of wages by filing Chapter 7 bankruptcy is possible in most cases.  Bankruptcy does not discharge domestic support obligations so if you are getting garnished for your alimony or child support, those garnishments will not be stopped. What Is Garnishment? Garnishment is called a ‘wage attachment’, in which creditors go after your paycheck…

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How Do Bankruptcy Attorneys Help When You File Chapter 13?

Bankruptcy attorneys guide clients through the process of a bankruptcy procedure, communicating with the court, offering expert advice and answering your questions. There are two main types of bankruptcy used by most consumers, Chapter 7 and Chapter 13. Chapter 7 is often referred to as a “Fresh Start” bankruptcy, in which many, if not all,…