Monthly Archives: July 2012

Know This Before Deciding to Sell Your Home

If you’re a homeowner who is selling his or her home for any of the following three reasons, think again: 1) you can’t afford the house payments, 2) you owe income taxes with a tax lien on your house, and/or 3) your mortgage modification application was rejected.   A couple blogs ago I told you […]

Dealing with Very Aggressive Creditors Who Say You Can’t Discharge Their Debts in Bankruptcy

Bankruptcy court is a relatively efficient place to determine whether or not you must pay a debt which the creditor says can’t be discharged.

AARP Report Says More Older Americans Now Still Have Morgage Debt, Larger Mortgages, and So–Surprise–More Foreclosures

Not only is the foreclosure rate climbing for older mortgage holders, it is climbing faster than it is for younger ones.

10 Big Reasons to Get Legal Advice about Bankruptcy Before Selling Your Home

The SINGLE overarching reason to get advice from a bankruptcy attorney before selling your home is to save money, possibly a great deal of money.  I’ll tell you ten ways to do so—three today and then the rest in a couple blogs next Tuesday and Thursday. 1.  Avoiding judgment liens:  If some creditor has sued […]

“Nightmare on Main Street,” the AARP’s Report on Older Americans Coping with the Continuing Foreclosure Crisis

This new AARP study reveals shifts in mortgage patterns with huge immediate and near-future consequences.

Get a “Fresh Start” in Bankruptcy for Your Assets, Not Just Your Debts

Bankruptcy helps both sides of your balance sheet. Getting a financial fresh start means not just getting relieved of your debts, but also protecting your essential assets. You can preserve this crucial benefit of bankruptcy by not selling, using up, or borrowing against your protected assets BEFORE the filing of your bankruptcy case. It is […]

Your Bankruptcy Rights vs. Creditors’ Rights to “Not be Deprived of Property without Due Process of Law” under the Fifth Amendment

The U. S. Constitution doesn’t talk about it, so how does filing bankruptcy give you the power to stop a foreclosure?

More Good Examples of How Bankruptcy Really Helps Even When You Can’t Write Off Every Debt

Three more practical ways that bankruptcy works to let you take control of your debts, even those that can’t be written off.

See an Attorney BEFORE Losing Your Vehicle to Repossession or Surrender

You may be able to keep a vehicle you thought you couldn’t afford to pay for. Chapter 13 allows you to pay less per month and less overall on a vehicle loan, under certain conditions. This blog is one of a series on the mistakes people make before seeing an attorney about filing bankruptcy. As […]

Dramatic Examples of How Bankruptcy Can Be a Good Idea Even if It Can’t Write Off Every Debt

Here’s how bankruptcy actually works, and works well, even when a significant debt or two can’t be written off.

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