Monthly Archives: February 2010

The Disadvantages Of Filing For Bankruptcy

Bankruptcy is, by definition, a legal declaration that a borrower lacks the ability to repay his or her creditors and an appeal to the courts for relief. Plainly this is not a good position to be in and in some societies – like that of the United States – declaring bankruptcy carries a social stigma […]

Who Pays For Bankruptcy?

The answer to the question “Who pays for bankruptcy?” depends on the context. To initiate the process, obviously the person who is making the filing – be it the debtor or the creditors (involuntary bankruptcy) – pays the fees. However, if the question is meant to ask “Who pays for the discharged debt from a […]

Debt Consolidation Vs. Bankruptcy

Although many people explore both these options when seeking solutions to their debt problems, the two are very different things. Further, since the passing of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, which established a means test that has to be taken into account before a bankruptcy court will accept a petition, […]

How To Avoid Bankruptcy

Generally speaking, in the United States today bankruptcy is considered a measure of last resort and virtually every other debt relief method out there – debt consolidation, debt settlement, and so on – is designed to help debtors avoid filing for bankruptcy. The old days when people could simply borrow extensively, default on everything and […]

What Happens After Filing For Bankruptcy

  When a person files for bankruptcy, an automatic stay goes into effect, which stops all threatening letters asking for debts to be repaid. It should come as a great relief to those who are unable to pay their bills. Bankruptcy attorney Benjamin Ginter runs the Law Offices of Benjamin J. Ginter in Cranford, New […]

Keeping Your Home After Filing For Bankruptcy

  A lot of people worry about that they will lose their home if they file for bankruptcy. But in the vast majority of cases, that is not the case. Bankruptcy attorney Benjamin Ginter, who runs the Law Offices of Benjamin J. Ginter in Cranford, New Jersey, explains here why you will still be able […]

What The Basics Of Bankruptcy Are

  Filing for bankruptcy doesn’t have to be difficult. It’s a good idea to have an attorney guide you through the process and to make sure you do things correctly. You will get all the answers to your major questions from a lawyer. Bankruptcy attorney Benjamin J. Ginter runs the Law Offices of Benjamin J. […]

Having A Lawyer For Real Estate Transaction

  For most people, buying or selling a home is the biggest financial transaction or commitment they will make in their life. So it’s important to hire an experienced real estate lawyer. Bankruptcy attorney Benjamin Ginter runs the Law Offices of Benjamin J. Ginter in Cranford, New Jersey, and he also does real estate law. […]

Will Bankruptcy Adversely Impact My Fico Score?

If you’ve always been curious, how bankruptcy can impact your credit, then this information can help you answer that question. Hopefully you will then be a few steps ahead in your knowledge of bankruptcy and how it can affect you. This informative article will answer that nagging question: How does bankruptcy affect my FICO score? […]

The Chapter 7 Discharge: What Debts are not Eliminated?

Many people are familiar with the most common categories of debts that may be discharged in Chapter 7 bankruptcy. These include credit card account balances, medical bills, old utility and phone bills, and unsecured personal loans. What are not so well known, however, are the types of debts not eligible for discharge in Chapter 7 […]

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