2014,01


      WHAT DOESN’T BANKRUPTCY DO?

      Posted on 01,29,2014
      WHAT DOESN’T BANKRUPTCY DO?

      While bankruptcy can provide an amicable solution for overwhelming debt, it is not the answer to all financial issues. In some cases, it may not even be the right choice for certain individuals or families, and another alternative might be more appropriate. Below we have listed some of the things that are not possible when filing bankruptcy.

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      CREDITOR HARASSMENT - DO I HAVE A CASE?

      Posted on 01,23,2014

      Consumers are protected from creditor harassment by both state and federal laws. At the federal level, the Fair Debt Collection Practices Act puts restrictions upon creditors with regard to how they try to collect from any consumer in the USA. At the state level, the law is the Consumer Protection Act. If any creditor has violated your rights by overstepping the bounds of either of these laws, you may have a case that will allow you to file a claim and recover damages from the creditor – they will have to pay you. In fact, even your legal fees may be awarded by the court, and the creditor forced to pay your attorney. Are you the victim of creditor harassment?

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      WHAT IS CHAPTER 13 BANKRUPTCY?

      Posted on 01,16,2014

      Many people understand Chapter 7 bankruptcy, in which unsecured consumer debt is discharged, and this is the most commonly filed form of bankruptcy. The process of filing Chapter 13 is far different, and could be the right solution for you, particularly if you are trying to avoid losing your home through foreclosure. Chapter 13 is also known as "wage-earner's bankruptcy," as it is often the appropriate solution for those who don't qualify for Chapter 7, as they are above the state's median to be eligible, and are currently earning an income as an employee, or as a self-employed person.

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      GETTING RID OF CREDIT CARD DEBT

      Posted on 01,09,2014

      When credit card debt has gotten out of control, it can be difficult to figure out what to do. Some people, in an effort to be honorable, have cashed out retirement funds to pay off credit cards or overdue debt, thereby creating another debt – this time to the most relentless debt collector of all – the IRS. Did you know that when you file for bankruptcy, your retirement accounts are exempt? Before you make any decision about cashing out the savings you have set aside for retirement, it is worth looking into filing for bankruptcy protection.

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      HOW DO I FILE BANKRUPTCY IN VIRGINIA BEACH?

      Posted on 01,04,2014

      If you are asking yourself the questions of "How do I file for bankruptcy?", chances are you are already in financial trouble. Perhaps you have substantial debt from credit cards, loans or bills and have been dealt a costly blow to your finances and life. These setbacks can come in the form of losing a job, house or car or many other ill-fated situations. While you are undoubtedly experiencing a high amount of stress from the piling debts against you and the unknown nature of your future, there are options for you to explore.

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