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Failing the Means Test: How to File for Chapter 7 Anyway The Means Test was designed to weed people out of bankruptcy. Congress feared that people were filing for bankruptcy who could afford to pay off their debts but simply chose not to. In order to keep such fraud at bay, Congress passed additions to […]
People who find themselves in financial hardship never want to be there. And contrary to the opinions of some politicians, most of them want to make good on their debt. But wanting to do the right thing and making the best decision for you are two different things in some cases. It is important to […]
Most debtors do not like to spread around the fact that they owe any money. Your debt is a matter which is between you and the person to whom you owe money. One of the common debt collection tactics is threatening to tell others about your debt. There are however, rules to protect you and […]
Often, people are aware that filing for bankruptcy can have an effect on their home or car, or even their jewelry. But few people think about the impact a bankruptcy filing could have on their family pets or livestock. What happens to animals during a bankruptcy? Fortunately, most people’s household pets are exempt under state […]
Many people in financial trouble do their best to scrape by until its too late. Sometimes, this involves working extra jobs, making late payments, or even selling some of their personal belongings. Whether this is the right thing to do will depend on your particular situation, but sometimes such activity can have a […]
The trustee is the person appointed to administer your case. In general, the trustee seeks to make sure that your creditors are protected, and that everything goes according to the laws of the Bankruptcy Code. But how should you treat your creditor, and why should you avoid irritating him or her? Trustees have some discretion, […]
Debt is not uncommon by any means in America. The average American has more than $10,000 in credit card debt. And credit card debt is one of the leading causes of bankruptcy filings. So how did this happen? Below are the habits most credit counselors site as the leading causes of debt, and therefore […]
When you file for bankruptcy, you try to control the timing of every expense and income. Your case often hinges on having only a certain amount of money available. More can cause you to lose assets or not qualify for Chapter 7 bankruptcy. But there are always things you cannot predict, such as a death […]
Most people are aware of the fact that they may file for bankruptcy and discharge their debt. However, most are unaware of something called an involuntary bankruptcy, in which your creditors file your own bankruptcy. In such cases, you have no say in the matter once the bankruptcy case is approved. So it is important […]
In re: Smith-Canfield, No. 08-61630-fra13 (Bankr. D. Oregon, May 17, 2011). Your attorney in a bankruptcy proceeding should always behave in a professional way, and keep your interests paramount. If your attorney has interests that conflict with yours, they may be violating rules of professional conduct. In order to avoid such conflicts, your attorney should […]