See my research, posts, and articles on Chapter 13 bankruptcy, including the repayment plan, eligibility, and pros and cons. Click the link to explore key insights!
Facing eviction while debt collectors call nonstop? Protect your housing first, verify debts before you pay, and know what bankruptcy’s stay can and can’t do.
A Notice of Default is not foreclosure yet. Federal law limits when your servicer can act — here is the deadline clock and what actually stops it.
A cosigner bankruptcy discharge releases them, not you. Chapter 7 gives zero cosigner protection; Chapter 13 gives only a temporary co-debtor stay.
Taxes, student loans, old collections, and divorce debt at once, with retirement close? Here’s the real order of operations, and what bankruptcy can erase.
Taking a title loan while your Chapter 13 is active usually needs trustee permission first – and the car you’d pledge may be the plan’s own protected asset.
Your property tax lien or deed was just sold to an investor. Here’s how much time you actually have — and money you may be owed but don’t know about.
More Chapter 13 plans are dismissed than completed. Here’s how to modify, get a hardship discharge, or convert to Chapter 7 before dismissal hits.
Court-ordered restitution sold to a collection agency doesn’t automatically get FDCPA rules. Here’s what actually protects you — and why the court, not the collector, holds the power.
Child support can take up to 65% of your paycheck — far more than ordinary debt. Here’s what the federal law actually says and your real options right now.
They said tax debt can never be wiped out in bankruptcy. That’s a myth: older federal income tax CAN be discharged if it passes three timing tests. Here’s exactly when it works — and the traps that defeat it.
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