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What Is a Chapter 7 “Asset Case”?

Most Chapter 7 bankruptcy cases are “no asset” ones. So, what’s an “asset case,” and is it a bad thing?

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Get Special Protection for Your “Codebtors” Under Chapter 13

Chapter 13 provides some very unusual protection. It doesn’t just protect you and your possessions. It can protect your co-signers and their assets from debts they co-signed with you, even without them filing bankruptcy.

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You’ve Been Served with a Collection Lawsuit? What to Do Now?

Lawsuit papers are NOT like all the rest of the collection letters that have likely been piling up for months. There are usually real consequences to a lawsuit.

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The Starting Point: Are You Eligible for Chapter 7, Chapter 13, or Both?

You may be very clear about whether you want to file a Chapter 7 “straight bankruptcy” or a Chapter 13 “payment plan.” Choosing between them can often be very simple and obvious. On the other hand, there are at least a dozen major reasons why one may be better for you than the other, some of which you may not be aware of.

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Did You Lose Your Home to Foreclosure from 2008 Through 2011? You May Be Eligible for Cash from the Recent National Mortgage Settlement

A couple months ago, five of the biggest home mortgage holders settled a nationwide dispute with the state attorneys general and the federal government about their illegal foreclosure and loan servicing behavior. This is the “largest consumer financial protection settlement in US history.”

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Discharging Income Taxes through Chapter 7 Bankruptcy

You CAN “discharge” some income taxes, and be relieved of the legal liability for those taxes, in Chapter 7. But any tax debt you are trying to discharge has to meet a number of strict conditions. What are those conditions?

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Can I Keep My Income Tax Refund If I File a Chapter 13 Case?

A Chapter 13 case gives you greater flexibility about what you can do with your current income tax refund than a straight Chapter 7 one does.

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Can I Keep My Income Tax Refund If I File a Chapter 7 Bankruptcy?

Whether you can keep your tax refund in a “straight bankruptcy” is mostly a matter of timing. To make sense of this, first here’s some essential background information.

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If I Have Filed Bankruptcy, Can I File a Bankruptcy Again?

As most people have heard, if you filed a bankruptcy case in the past you have to wait a certain number of years before you can file a new one. The question of how many years of a wait depends on whether the earlier case was a Chapter 7 or 13 case, and also on whether the new case will be a Chapter 7 or 13 case.

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Multiple Bankruptcy Filings Can Disqualify You from the Crucial “Automatic Stay”

The automatic stay protects you and your property from your creditors when you file bankruptcy. But you can lose that key benefit of bankruptcy under certain rare circumstances.

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