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  • Prepare Yourself For These Post-Bankruptcy Credit Issues

    Bankruptcy is meant to be a fresh start for those who've had no choice but to declare bankruptcy. While bankruptcy can impact your ability to get a home or car loan in the future, it doesn't have to be the end of credit use entirely. The below tips can help ensure that your bankruptcy filing gives you a second chance at using credit wisely. Pay Your Bills  It sounds like common sense, but the importance of paying bills on time every single time helps in more ways than one.
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  • Fighting Foreclosure: Key Considerations

    Every homeowner faces the possibility of foreclosure when they are in serious financial difficulties and are unable to meet their mortgage obligations. You are not obligated to simply meekly accept the foreclosure process, however. Using the legal system to fight the foreclosure is also an option. The following article examines some of the key considerations involved when decide to contest a foreclosure. Judicial vs. Nonjudicial A critical point concerning home foreclosure and the law is whether the foreclosure is judicial or non-judicial.
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  • 3 Key Reasons To Consult With A Bankruptcy Attorney When Facing Crippling Debt

    Debt is something that can cripple you financially. It may be so bad that you're considering bankruptcy. If you've found yourself in this situation, be sure to consult with a bankruptcy attorney. They can help you tackle bankruptcy in the following ways.  See If You're a Good Candidate  Since filing for bankruptcy is permanent and will affect your financial future for the foreseeable future, it's important to talk with a bankruptcy attorney first.
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  • A Few Things You Need To Know About Saving Your Home With A Chapter 13 Bankruptcy

    Sometimes life gets complicated and you end up with financial problems you can't take care of on your own. If you are feeling trapped and like you are drowning in debt, your only option may be a bankruptcy. A Chapter 13 bankruptcy is a good option when you have a home you want to save but already have a lot of missed payments you need to make up. With a Chapter 13, you will be given the opportunity to pay all the payments you have missed over the course of three to five years.
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  • Bankruptcy Questions For First-Time Filers

    Do you have debts and bills that are unsustainable? If so, the solution to your problems could be filing for bankruptcy. While there are many negative connotations about using bankruptcy, it is possible to give you financial protection from debts you cannot recover from. Here are some questions that many first-time bankruptcy filers have about the process. Are All Debts Discharged When Using Bankruptcy? Bankruptcy is designed to protect people that have taken on more debt than they're able to repay, but be aware that some debts are not covered with bankruptcy.
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  • Can You File For Bankruptcy Without Your Spouse?

    When you get married, you become one in more than one way. For this reason, when one spouse is facing the possibility of bankruptcy they often wonder — does my spouse have to file too? Unfortunately, there is no clear-cut answer to the question, as there are a variety of factors that determine the decision. But here are some factors you can consider to bring you closer to an answer.
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  • Tips For Hiring A Bankruptcy Attorney

    Making the decision to file for bankruptcy can be very difficult. But, sometimes people get to the point where their debts are crippling and they have no possible means to pay them back or even keep up with minimum payments. Since bankruptcy is a complicated process, it is always in your best interest to hire a bankruptcy attorney like those at Haven Law Group, P.C. Use the following tips to hire an attorney for your bankruptcy case:
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  • Four Things You Should Know If You Are Contemplating Bankruptcy

    Your personal finances may be at a point where you see no way out other than a bankruptcy. You probably know that it will damage your credit rating for several years, but at least you will get a fresh start. However, there are a few things you should know about bankruptcy. You need to qualify for bankruptcy It's not simply a question of deciding to file for bankruptcy; you must qualify.
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  • Is It Time To File Again? Understanding Bankruptcy Filing Limits

    It's helpful to know that there are no limits on how many times you can file for bankruptcy. As long as you are qualified and have waited long enough, you will be allowed to file, whether that's 2 time or 10 times. The time limits listed below are all based on the date that your most recent bankruptcy was final, not the date that you first filed your paperwork. Read on to learn how long you must wait after both chapter 7 and 13 bankruptcies tofile again.
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  • Are Your Retirement Plans Part Of Your Bankruptcy?

    One of the concerns that bankruptcy filers have is whether their retirement plans will be safe from the trustee. The trustee has the responsibility of reviewing your assets and determining if any of them could be put towards paying your debts. Depending on the type of retirement plan you have, there is a possibility that it is not safe. If you are planning to file for bankruptcy, here is what you need to know to protect your retirement plan:
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