Cara O'Neill

Attorney · University of the Pacific McGeorge School of Law

More Articles by Cara O'Neill

Articles 101-110 out of 131

Student Loans in Bankruptcy: The Brunner Test
Getting student loans discharged in a Chapter 7 bankruptcy case is very difficult. For the most part, you must show that repayment would cause you "undue hardship."
What Can I Do If I Can't Afford a Bankruptcy Lawyer?
Even if you can’t afford an attorney, help might be available through friends and family, legal aid societies, free legal clinics, or pro bono (free of charge) attorneys. Learn strategies for paying for bankruptcy legal fees.
Converting Chapter 13 to Chapter 7 Bankruptcy
If your income drops and you can’t pay your Chapter 13 payment, it’s possible to convert to Chapter 7 bankruptcy and discharge qualifying debts quickly. But because it isn’t always possible, you’ll want to explore other options as well.
What Happens After the 341 Meeting?
Most Chapter 7 filers receive a discharge about sixty days after the 341 meeting of creditors. Cases usually close a few days later, although some remain open longer. Learn how to avoid problems after the creditors meeting.
Car Repossession: Notices the Lender Must Provide
Learn what notices your auto loan lender must provide during the car repossession process.
Will I Lose My Checking or Savings Account if I File Bankruptcy?
Whether you can keep your savings, checking, or other bank accounts in bankruptcy will depend on whether you can cover the balance with a bankruptcy exemption. If not, you'll likely lose it. Learn why.
Will My Bankruptcy Affect My Spouse?
Generally, whether your bankruptcy will affect your spouse will depend on whether you have joint property or debts, the property laws of your state, and whether you file for Chapter 7 or Chapter 13 bankruptcy.
How to File Bankruptcy and Keep Your Car
Whether you keep your vehicle in bankruptcy will depend on whether you file for Chapter 7 or Chapter 13 bankruptcy, whether you’re behind on your car payment, and whether you can protect all of the vehicle equity with a bankruptcy exemption.
Can I Get My Chapter 13 Payments Lowered?
Question: I have been in Chapter 13 bankruptcy for over two years. But I recently received a pay cut and can no longer afford my current Chapter 13 plan payment. Is there anything I can do to reduce my monthly payment amount?
Keeping a Credit Card in Chapter 7 Bankruptcy
Learn why keeping a credit card in Chapter 7 bankruptcy is unlikely and why you should plan on rebuilding credit after completing a Chapter 7 bankruptcy case.