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What Is Bankruptcy Discharge?

Bankruptcy discharge is the process of having your debt forgiven after filing for chapter 7. At this point, it is no longer permissible for creditors to contact you in order to recoup a debt, which can be a great relief to the filer.

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Am I Eligible for Chapter 13?

As a debt repayment plan, chapter 13 allows you to keep your home and other possessions while discharging many types of debt. You must meet certain criteria to be eligible for chapter 13, as it’s crucial that you’re able to keep up with payments for the duration of the repayment term, which usually ranges between three to five years.

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Lottery Winnings and Estate Planning

Some people play the lottery for years, hoping to finally score big and see their lives change immediately. Most are not ever able to realize these dreams, but some become wealthy overnight, and this can change their life in many ways.

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Bankruptcy Cannot Discharge All Debts

For many individuals and businesses, bankruptcy eventually becomes the only option to remain afloat. Although bankruptcy seems like a viable solution for anyone in debt, the truth is that it cannot solve everyone’s problems.

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How Can I Avoid Common Estate Planning Mistakes?

Estate planning in Oregon is a must to ensure your assets are handled correctly when you die. It’s just as important to steer clear of common estate planning mistakes, as some errors could land you in probate court.

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What Happens if I Die without A Will?

Estate plans are an essential financial tool that protects your assets as well as your family after you’re gone. Unfortunately, many people fail to implement wills and trusts before they die, which can have dire consequences.

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Debts Not Written Off in Bankruptcy

The basic rule is that all your debts get discharged in bankruptcy unless a particular debt fits a listed exception. Focusing on Chapter 7 “straight bankruptcy,” you will likely receive an Order of Discharge within about 4 months of filing the case.

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When Should I Update My Estate Plan?

While having a solid estate plan in place is crucial, it’s also important that you revisit these documents on a regular basis. Life changes can have a real impact on wills and trusts, and you want to make sure the decisions you made in the past still have relevance today.

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What Is Driving the High Bankruptcy Rates Among Older People?

According to data from the Consumer Bankruptcy Project, the highest rates of bankruptcy in 1991 were among people between the ages of 25 and 44. In 2001, the highest rates were among those between 35 and 54 — the same group. Between 2013 and 2016, this same generation accounted for the highest rate of bankruptcy, although they were now between 45 and 65.

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How to Stop Creditor Harassment

It can be unnerving to receive almost constant creditor calls if you are behind on your bills and have maxed out your credit lines. This predicament is even more frustrating if you are trying to pay bills as you can, but still, do not see an end to your indebted situation.

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