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Pros and Cons: Chapter 13

If you are considering bankruptcy, you may be wondering what is the best option for you—Chapter 7 or Chapter 13? It’s important to first understand the differences between Chapter 7 and Chapter 13 proceedings. In a Chapter 7 bankruptcy, you ask the bankruptcy court to discharge (or get rid of) most of the debts you… Read More »

Creditor Harassment: When is it Too Much?

If you’re behind on your payments, a debt collector will be contacting you to collect the debt, possibly by using obscene language or threats towards you.  You might have some questions about your rights and responsibilities when a creditor is contacting you to collect. When can a debt collector contact me? A debt collector cannot… Read More »

Gary Busey and Chapter 7

Chapter 7 bankruptcies are known for discharging (wiping out) the debts of the debtor and giving the debtor a “fresh start.”  So, how in the world did actor Gary Busey go through a Chapter 7 bankruptcy, have his debts discharged, and still end up owing the Internal Revenue Service over $450,000 Busey filed for Chapter… Read More »

Honey, it’s Time to File for Bankruptcy

If you’re spending too much time dealing with harassing creditors, dodging their phone calls and fending off their advances, it’s time you take a serious look at bankruptcy. It could be time for a fresh start. Many Americans consider bankruptcy to be embarrassing–perhaps a sign of weakness, failure, or even immorality.  However, you should know… Read More »