Tag Archives: discharge

Keeping It Simple in a Closed-Business Chapter 7 Case

Using a Chapter 7 case to clean up after closing down your business will be easy or not depending largely on three factors: business assets, taxes, and other nondischargeable debts. These three will usually also determine if you should be in a Chapter 7 case or instead in a Chapter 13 one. Once you’ve closed […]

Defeating Creditors’ Accusations That You Misused Their Credit to Pay for the Holidays

The risk that creditors will not allow you to discharge some of their debts can be minimized through smart timing of your bankruptcy.

The Practical Consequences of Voluntarily Dismissing Your Chapter 13 Case

One advantage of filing a Chapter 13 case is that you can get out of it at any time. But what happens if you do dismiss your case?

Spouse Needs to Join Bankruptcy to Discharge Income Taxes, But Reluctant Because Has No Other Debts and Has Separate Asset

Finding the best way out of this seeming Catch-22 depends on a full understanding of your unique situation and your goals.

The Discharge of Debts for Married Couples in Chapter 7 and Chapter 13

Filing bankruptcy with or without your spouse affects the discharge of debts you each receive, and also affects whether you file under Chapter 7 or 13.

What Stops a Creditor from Chasing You After Its Debt Has Been Written Off in Bankruptcy?

Even though it’s illegal for creditors to try to collect on a debt that’s been discharged (legally written off) in bankruptcy, once in a while they do try. What makes chasing a discharged debt illegal? And what penalties can get awarded to you if a creditor breaks the law?   In my blog a couple […]

Audit Shows Capital One Bank Illegally Filed $24.7 Million in Claims for Debts Previously Discharged in Bankruptcy

One can understand if a major U.S. credit card company forgets that one of its customers had earlier written off their debt in bankruptcy. But forgetting this very important fact for 15,500 of its customers?!?   It is bad enough that Capital One lost track that its old debts had been legally written off (“discharged”). […]

The Purpose of Bankruptcy in the U.S. Constitution

The most respected early commentator on the Constitution fills in some historical gaps about bankruptcy and leads it in a better direction.

Help! After Getting an Extension to October 15, I Just Filed My Taxes and Owe Tons!

If you were already on the financial edge and just found out you owe a bunch of income taxes, here is how bankruptcy can help.

Help! I Need to File Bankruptcy But Already Did One a Few Years Ago

If you need bankruptcy protection but already filed a bankruptcy case within the last few years, you may still be able to file a new one now.

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