Learn About Your Options
Learn About Your Options
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What to Do If You Can’t Pay Bills Due to the Coronavirus
Conserve funds and prioritize debts using a COVID-19 financial action plan.
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Is Bankruptcy a Good Option for Struggling Small Businesses
Each bankruptcy chapter offers unique benefits that will differ depending on whether you or your company files for bankruptcy. Understanding these dynamics will help you choose the best solution for your small business needs during the coronavirus pandemic.
Related Products
Related Products
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Solve Your Money Troubles: Debt, Credit & Bankruptcy
Get out of debt and solve your money troubles with this complete guide to repairing your credit and regaining financial freedom.
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The New Bankruptcy: Will It Work for You?
Get the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy is the right solution for your debt problems.
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Getting Student Loans Out of Default: Consolidation or Rehabilitation?
If you are in default on your federal student loan payments, federal law provides two very powerful options for getting out of default: rehabilitation and consolidation. Most lenders will offer both to you, with little explanation of the pros and cons of each. But there are differences between the two,
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Deficiency After Car Repossession: Will I Still Owe Money?
If your car lender repossesses your car, truck, van, motorcycle or other vehicle, you may not be off the hook financially. If your car was underwater (you owed more than it was worth) you’ll likely still owe money to the lender, called a deficiency.
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Dealing With a Deficiency Judgment After Car Repossession
If your car has been repossessed for failure to make payments, the sale price of your car at auction may not cover the balance that you owe to the lender. If not, your lender can ask that a court enter a monetary judgment against you for the remaining balance on your loan, called a deficiency judgment. Once it has a deficiency judgment against you, the lender can take steps to collect it.
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Using Chapter 13 Bankruptcy to Get Your Car Back After Repossession
If your car, truck, SUV, van, motorcycle, or other vehicle is repossessed, there are several ways that you may be able to get it back. One of those methods, filing Chapter 13 bankruptcy, may allow you to get your car back from the lender, revise the terms of the loan to make them more favorable to you
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When a Judgment Creditor Requests a Deposition, Documents, or Written Answers
If a creditor gets a judgment against you, it will then take steps to collect on that judgment. The creditor can collect by garnishing your wages, or selling some of your assets or property. Before the judgment creditor does this, it must first find out whether you are employed, how much money you make, and what assets you own.
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When the Creditor Gets a Lien Against Your Property
If a creditor gets a judgment against you, it can then place a lien on your property. The lien gives the creditor an interest in your property so that it can get paid for the debt you owe. If you sell the property, the creditor will be paid first before you receive any proceeds from the sale. And in
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Deficiency After Car Repossession: Will I Still Owe Money?
If your car lender repossesses your car, truck, van, motorcycle or other vehicle, you may not be off the hook financially. If your car was underwater (you owed more than it was worth) you’ll likely still owe money to the lender, called a deficiency.
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Should I ignore a debt collector's calls and letters?
If you're behind on bills and debt collectors are starting to call and send collection letters by mail, you likely want to know if you should ignore the collection calls and letters or talk to your creditors. You can probably ignore a debt collector's calls and letters if you're judgment-proof or plan to file for bankruptcy. But if those aren't options, consider developing a payment strategy before speaking with debt collectors or responding to calls and letters.
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Will a Chapter 13 Bankruptcy Fix My Credit Score?
The decision to file for chapter 13 to fix credit can be a difficult one for people who want to do more than pay down their debts. However, the decision shouldn’t be a hard one because chapter 13 can fix credit. Once people have good credit, they can obtain better interest rates and loans. Credit Scores
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Questions to Expect at the 341 Meeting in Your Bankruptcy Case
During your bankruptcy case, whether you file under Chapter 7 or Chapter 13, you will have to attend a meeting with your creditors and the bankruptcy trustee in charge of your case. Find out what questions the bankruptcy trustee must ask you, and the topics the trustee and creditors might ask about during the 341 meeting of creditors.
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Documents Needed For The Meeting of Creditors
Whether you file for Chapter 7 or Chapter 13 bankruptcy, you must attend a mandatory hearing called the meeting of creditors (also called the 341 hearing).