There are many state and local programs to help if you are having issues with rent, utilities, or other housing costs for renters and programs to help assist if you are a landlord. You can visit this website to find programs in your state: https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/renter-protections/find-help-with-rent-and-utilities/?utm_source=newsletter&utm_medium=email&utm_campaign=ERAPscams To apply you must first…
I have listed some of the mistakes people make right before they file bankruptcy. People do these things because of mistaken information they got from someone else. Talk with your bankruptcy lawyer and ask questions. Your lawyer can protect you and your property as long as you tell them everything…
A chapter 13 bankruptcy can do everything a chapter 7 can do and more. A chapter 13 has extra tools for special debts. A chapter 13 takes 3-5 years to complete and costs more than a Chapter 7 in the long run. Which one you should file depends on what…
No matter how much you love your bank, there are a lot of good reasons to leave them if you are going to file bankruptcy. If you don’t want to leave them, you might want to keep your money somewhere else temporarily. Reason #1 Frozen Bank Accounts Several nationwide banks, like…
If you get an income tax refund, money is being taken from your paycheck that you could use right now. If you get an income tax refund, you are letting the government hold and use your money for a year without paying you interest. If you get an income tax…
Banks do unexpected things when one of their customers files bankruptcy. Nothing they do is to help you. Even if you think your bank is the greatest, there may be reasons to change banks before you file your bankruptcy case. They May Take the Money in Your Account. Your bank…
If you are overwhelmed with medical expenses, you are not alone. I read an article recently where it stated that medical bills and accounts now represent over 50% of debt classified as being in collections status. That’s huge! According to the Federal Reserve, the government agency that keeps up with…
Yes. You can file bankruptcy in the US if you do not have a Social Security Number (SSN). There is no requirement that you be a US citizen to file for bankruptcy in the US. There is no requirement that someone be a US resident to file for bankruptcy in…
The E-Government Act of 2002, contains laws governing privacy of information in court files in order to protect personal, sensitive, and private data from being available to the public. Federal courts had to immediately update their rules and practices to be compliant with this Act. These rules state that personal…
Bankruptcy exemptions are offered at the State and Federal level. The bankruptcy exemptions determine whether or not your property is protected (exempt) and if not exempt, how much you might have to pay to creditors in order to keep it. For example, if your household goods are valued at a…