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Considering Bankruptcy?

More than 3.2 million US households have filed Bankruptcy since 2009. Find out if it's right for you.

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Filing Bankruptcy Can:

  • Halt Collection Agency Efforts
  • Prevent Home Foreclosure & Repossession
  • Stop Wage Garnishments and Potential Lawsuits
Preserve your life and family by filing for Bankruptcy

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is commonly referred to as a Liquidation Proceeding. The debtor turns over all non-exempt property to the bankruptcy trustee who then converts it to cash for distribution to the creditors. The debtor receives a discharge of all dischargeable debts usually within four months. In the vast majority of cases the debtor has no assets that he would lose so Chapter 7 will give that person a relatively quick "fresh start".

One of the main purposes of Bankruptcy Law is to give a person, who is hopelessly burdened with debt, a fresh start by wiping out his or her debts.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is also known as a Reorganization Bankruptcy. Chapter13 bankruptcy is filed by individuals who want to pay off their debts over a period of three to five years. This type of bankruptcy appeals to individuals who have non-exempt property that they want to keep. This form of bankruptcy is an option for individuals with predictable and sufficient income to pay their reasonable expenses with some amount left over to pay off their debts.

Bankruptcy Could Be The Option For You

When in debt, choosing bankruptcy is often times the best solution to becoming debt–free.
Bankruptcy can stop creditors from hounding and harassing you, especially if they are starting to step over the boundaries of decent behavior. Bankruptcy will end wage garnishment, allow you to purchase basic necessities and get out of the debt all at the same time. Allowing Bankruptcy Consultant to connect you with a local attorney in your area to discuss your options is the first step towards a fresh new start.

Reasons To File For Bankruptcy

If your home is at risk of foreclosure, filing bankruptcy can prevent this undesirable consequence. It can also put a reasonable and affordable repayment plan in place enabling you to get caught up with your debts.

If your car or other property has been repossessed, bankruptcy can have these returned to you, especially if the lack of these items hinders you from getting caught up. You may have huge medical bills, either on their own or combined with a loss of employment, which can often create a nearly impossible situation to overcome. Bankruptcy can help you out of this and possibly reduce or wipe away your medical bills. Bankruptcy can prevent your utilities from being shut off, or if necessary, get them turned back on. Student loans will not be eliminated, but they can be consolidated allowing you to pay them off in a reasonable and manner.

Bankruptcy And Your Credit

Filing bankruptcy is a red flag on your credit report. However, that fact in itself does not need to haunt you, since there are circumstances where bankruptcy is indeed the best decision to make. There are many successful people who have been through bankruptcy and today are back on their feet, having learned huge lessons from what got them into financial trouble and how to keep it from recurring.

The Advantages Of Filing For Bankruptcy

Filing bankruptcy will grant you immediate but only temporary relief. Annoying phone calls, repossessions, and mortgage foreclosures are all stopped temporarily. The greatest benefit of filing bankruptcy is the discharge of most, if not all your debts. The discharge wipes out many types of unsecured debt like credit card and medical debts. You are legally debt free once discharged, enabling a fresh financial start.