I’m Falling Behind on My Chapter 13 Payments. Here’s What to Do Right Now.
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.
chapter 7 bankruptcy discharge
A Creditor Won’t Stop Collecting After My Bankruptcy Discharge. Here’s What to Do Right Now.
A creditor still billing or calling after your bankruptcy discharge? Learn your rights under 11 U.S.C. 524, how to reopen your case for free, and stop it.
Can I File Bankruptcy If My Income Is Irregular? What Gig Workers and the Self-Employed Need to Know About Their Retirement
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.
Should I Max Out My Credit Cards Before Filing Bankruptcy?
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.
Can Bankruptcy Erase Tax Debt? Yes — Here’s Exactly When It Can
Can bankruptcy erase IRS tax debt? Yes — older income taxes can be discharged if they pass three timing rules. Here’s exactly how it works, from someone who’s helped thousands.
How Long Does Bankruptcy Stay on Your Record? What I Learned Filing in 1990
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 180-Day Rule: Why Filing at the Wrong Time Gets You Denied
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.
Keeping Your Home After Chapter 7: Myth vs Reality
Quick Answer: Chapter 7 filers can keep their home without reaffirming the mortgage by staying current on payments, but stopping payments after discharge exposes them to deficiency debt liability. The homeowner should have included the mortgage in bankruptcy or continued payments to preserve their fresh start.“Dear Steve,We recently filed Chapter 7 and waiting for discharge. …
