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Knowing When to File Chapter 13 Bankruptcy

You should consider filing for Chapter 13 bankruptcy as soon as you realize your financial burden is too much to handle without help. There is no need to wait until your home is in foreclosure or your car is being repossessed. Chapter 13 is called debt reorganization because it takes all of your existing unsecured… Read More »

Is Chapter 13 Bankruptcy the Right Way to Eliminate Credit Card Debt?

Credit card debt has overwhelmed many families in the United States. While credit cards are really only intended to be used in limited situations, they have become a way of life. People use their credit cards for many or all of their purchases, often with no way to pay those debts back. Until recently, credit… Read More »

Can I File for Bankruptcy if I’m Unemployed?

The stress of being in debt is exacerbated if you are also unemployed. How can you repay your loans if you don’t have a steady income? Don’t worry – you still have options. You don’t have to be employed to file for bankruptcy. You can still file without having a job, although it may complicate… Read More »

How Much Debt Should You Have Before Filing for Bankruptcy?

One of the questions our bankruptcy attorneys hear quite often is whether there’s a certain amount of debt a debtor must accumulate before filing for bankruptcy. The truth is that there is no magic number. We’ve seen clients successfully file for bankruptcy for $10,000 debts and $100,000 debts – and everything in between. It’s up… Read More »

Is It Too Late to File Chapter 13 Bankruptcy to Stop Foreclosure on My Home?

The foreclosure crisis across America is not over—at least not yet.  While the economy shows signs of increasing stability, the number of housing foreclosures is on the rise again. The nation experienced several months of decline after foreclosures peaked at 2.2 million in 2010. However, recent statistics show an 11 percent jump in May and… Read More »