Yes, you can file bankruptcy with irregular gig or self-employed income — the means test uses a 6-month average. And your 401(k) and IRA are protected.
Your divorce decree split your debts, but a creditor isn’t bound by it. If your ex stopped paying a joint debt, here’s how to protect your credit and fight back.
Sleep Number filed Chapter 11 and On The Border closed all 33 restaurants — on the same day. Here’s what it means for your warranty, gift cards, and smart bed.
Should you max out your credit cards before filing bankruptcy? No — and here’s the trap most sites won’t warn you about, plus how to protect your discharge.
Dreading the bankruptcy conversation with your spouse? You’re not alone. Here’s how to have the talk without it destroying your marriage — from someone who filed in 1990 and has helped thousands of couples since.
Chapter 7 stays 10 years, Chapter 13 stays 7. But Federal Reserve research shows filers recover faster than those who don’t file. Here’s the real timeline from someone who’s been through it.
The bankruptcy means test looks back 6 months — not at today’s income. File right after a job loss and you may fail even though you’re now broke. Here’s the timing strategy.
Quick Answer: A couple with $75,000 in credit card debt can explore a debt consolidation loan, a debt management plan, or Chapter 7 bankruptcy, and depending on their state’s homestead exemption they may be able to file without losing their home. Steve Rhode recommends pricing bankruptcy before committing to years of payments, because five years …
Quick Answer: Filing bankruptcy can improve one’s financial situation, with the author recovering enough to purchase a house within three years and rebuild credit using secured cards. The Federal Reserve Bank of New York confirms that bankruptcy filers typically perform better financially than those who don’t file.Here is something you don’t expect to hear people …
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