Category:
Bankruptcy

Petition for Bankruptcy papers and gavel

Pre-Bankruptcy Credit Counseling

By Bill Fay | October 10, 2019

Even if you weren’t a fan of the hit TV comedy “The Office,” you may sympathize with its main character, office manager Michael Scott, whose financial difficulties and general cluelessness…

Highway exit sign with arrow to bankruptcy

In Era of Trump, Has Bankruptcy Stigma Lost Its Sting?

By Bill Fay | August 8, 2019

With Donald Trump being credited or blamed for virtually every imaginable good or ill (depending on the observer, of course), we in the world of personal finance and debt management…

Man Filing Papers For Bankruptcy

Bankruptcy

By Devin Joy | March 27, 2019

What is Bankruptcy? Bankruptcy is a court proceeding in which a judge and court trustee examine the assets and liabilities of individuals and businesses who can’t pay their bills and…

Graph with Money and arrow flowing down indicating extreme loss of money

Your Options When You Don’t Qualify for Bankruptcy

By Bill Fay | March 19, 2019

Bankruptcy could be an option if your financial picture is bleak, but you have to qualify. If you don’t meet certain criteria, you may have to consider alternative debt-relief solutions.…

Judgement Proof Bankruptcy Books and Statue

What Is Judgment Proof?

By Bill Fay | March 4, 2019

How would you like to be deemed “judgment proof”? If nothing else, it sounds like a really good designation in life. Judgment proof is a legal term that could apply…

Men talking about how to rebuild credit after a bankruptcy

How to Rebuild Your Credit Score After Filing for Bankruptcy

By Bill Fay | February 5, 2019

Personal bankruptcy is without a doubt a serious setback, but it can serve as a financial tool. It’s an opportunity to streamline your finances and rebuild credit, and more than…

Gavel and paperwork for Bankruptcy Means Test

Chapter 7 Bankruptcy Means Test

By Bill Fay | January 9, 2019

When debt becomes completely unmanageable and nothing in the near term offers hope for a solution, people often mull over filing bankruptcy, the nuclear option for personal finance. Chapter 7,…

Vector hands holding smartphones with credit score app on the screen in flat style

How Does Bankruptcy Affect Your Credit?

By Bill Fay | December 18, 2018

When you file for bankruptcy, you should know that this negative mark will stay on your credit report for 7-10 years and its immediate impact will be a 100-200 point…

Lawyer with sign that asks if you need a lawyer

Do I Need a Bankruptcy Attorney?

By Bill Fay | December 11, 2018

What Does a Bankruptcy Attorney Do? The word bankruptcy is so fraught with negative images that consumers tend to forget the real purpose behind filing: A) It provides protection from…

Man filling out form for bankruptcy

Chapter 11 Bankruptcy

By Bill Fay | October 5, 2018

Most people know more about the Chinese alphabet than the U.S. bankruptcy system. The most common filings are Chapter 7 or Chapter 13, though other options can add to the…