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Life After Bankruptcy Discharge

If you find yourself in financial trouble, struggling to make ends meet and choosing between bills to pay, you may consider bankruptcy to help alleviate the weight of your financial burdens. As you consider the process, like many others you may also find yourself wondering what life after Chapter 7 or 13 bankruptcy discharge is like.

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Debt, Your Business, and Bankruptcy

Naturally, being a business owner involves a lot of risks, and at times the result is a payoff, but not all the time. When things don’t go so well for a business, the owner is the one responsible for the fallout. The owner may have some debts related to the business, and when the income begins to dwindle, they cannot keep up with the debt payments. If this sounds familiar to you, it may be the moment to turn to bankruptcy.

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Should I Consider Filing Bankruptcy?

If you find yourself thinking of filing bankruptcy, you may have a lot of apprehension and questions. Bankruptcy is a great tool available to help people hit the reset button on their finances. While the law can be tough to navigate, a bankruptcy attorney such as myself can lend a helping hand, making the process smooth and stress-free. After over 20 years of experience as a bankruptcy attorney, I can assure you it can greatly benefit you if you’re struggling with burdensome debts.

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How Does Chapter 13 Bankruptcy Work?

There are different types of bankruptcy, and two in particular that I specialize in: Chapter 7 and Chapter 13. These two kinds are available so that filers are able to determine the best course of action suited to their financial circumstances. While I’ll be focusing here on Chapter 13 bankruptcy, you can read more about Chapter 7 here. To put it plainly, the biggest difference with Chapter 13 is that with this type of bankruptcy, you agree to pay back some debts, as opposed to discharging them all within the filing.

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Bankruptcy on Social Security

The beginning of your retirement is meant to be the start of your golden years. It’s a time in life that you’ve worked hard to get to and should be able to enjoy. But if you’ve also been struggling with debts for years, they might still be making your life difficult when you’re meant to be free of financial stress.

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Assets: Before & After Bankruptcy

While bankruptcy gets a bad reputation, it is a great tool meant to eliminate debts that have snowballed beyond your control. If you’ve found yourself seriously considering bankruptcy as a means of relief from a heavy burden of debt, you probably have many questions. One of the most common areas of concern and misconception is when it comes to assets.

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What Bankruptcy Can’t Do

Today with many options available for purchasing things on credit, it can be easy for finances to get out of control. Then you constantly feel like you’re taking two steps forward and one step back! There is no shame in turning to bankruptcy, especially when your debts are ruling your life. In fact bankruptcy is a tool to pursuing financial freedom, and is there to help people like you get a fresh start financially.

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Bankruptcy and Marriage

Whether you’re getting married soon or you already are married, you might be wondering how bankruptcy works with marriage.

Maybe years ago you maxed out your credit cards for a wedding, thinking you could pay them off, or life brought on a hard time and you had to rely on cards and loans to get through it, but now you’re drowning in monthly payments. Even if one spouse came into marriage with a mountain of debt while the other has none, it can be difficult to manage and keep up with the payments. Your life and your marriage don’t need that added financial stress, but then the question is, how does marriage affect filing for bankruptcy?

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Is Bankruptcy For Me?

If you are struggling to stay afloat financially, it can be hard to believe there might be any kind of relief. You might be living paycheck to paycheck, picking and choosing which bills to pay and which ones to let go past due. Then the late fees start piling up and it feels like you can’t make any headway! I’m here to tell you there is relief from this stress.

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Bankruptcy and Foreclosure

If you’re already weighed down by finances and now facing foreclosure, bankruptcy may help keep you in your home and get you back on track!

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