I Have a Lot of Equity in My Home and Still Can’t Get a Loan Until It Sells. Here’s What I’d Do.
Equity isn’t cash, and it can’t get you past a lender’s income test. Here’s how to bridge a home sale, and what bankruptcy can and can’t protect.
homestead exemption
They Said Giving My House to My Kid Before I File Protects It From Bankruptcy. The Trustee Can Still Undo It.
Myth: gifting your house before you file keeps it safe. A trustee can undo it, you usually lose your exemption on it, and a Chapter 7 discharge is at risk.
My Property Tax Lien Was Sold. Here’s What to Do Right Now.
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.
A Judgment Lien Was Filed Against My House. Here’s What to Do Right Now.
A creditor recorded a lien on your house after winning a judgment. Here’s what it actually does, your homestead rights, and how to get it removed.
They Said You Lose Everything You Own in Bankruptcy. Here’s What the Law Actually Protects.
They said bankruptcy takes everything you own. It’s a myth: federal exemptions protect your home, car, and retirement. Here’s what the law actually shields.
Bankruptcy Filings Just Spiked 14%. Here’s Why That’s Not the Scary News You Think It Is.
Rising bankruptcy filings mean people are getting help, not failing. After filing myself in 1990, here’s what the headlines won’t tell you.
Illinois Just Made It Much Harder for Creditors to Take Your Stuff – New Law Effective January 1, 2026
Illinois just passed the biggest debtor protection update in a decade. Homestead exemption tripled. New $5,000 household goods protection. Effective Jan 1, 2026.
I Think We Lost Our Florida Homestead Protection on Our House for Bankruptcy. – Mayra
Mayra “Dear Steve,Husband took a job out of state, we had to get drivers license changed to new state in order for son who goes to college in another state could stay under our auto insurance.This establishes residency in new state. This has resulted in losing our homestead on our home in our home state(Fl). …
