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Tax Refund in Bankruptcy

Tax Refund and Bankruptcy? Here’s How to Keep Your Money

Last updated March 28, 2017. It comes up every tax season. You’re looking forward to receiving a big tax refund check, and you’re also working hard to get your bankruptcy case filed. So, what happens to your tax refund in a bankruptcy case? We’ve said it time and again on the forum: Tax refunds are […]

Bankruptcy Denied Reasons for Discharge

Can Bankruptcy Be Denied? 6 Ways to Lose Your Discharge

Last updated April 13, 2017. While there are certain debts that cannot be discharged in a personal bankruptcy case, or are very hard to discharge (such as student loan debt), there are a variety of circumstances under which a court can deny you your ENTIRE discharge. This means that you will still be liable on […]

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Credit Card Lawsuit Defenses: What To Do When You’ve Been Sued

What do you do when your credit card company sues you? You’ve received notice that your credit card company is suing you. What do you do now? The first step is to read the complaint carefully. Your creditor will most likely sue because you haven’t paid but can also sue you for defaulting on any term […]

Texas Bankruptcy Chapter 7 Exemptions

Chapter 7 Bankruptcy in Texas: What You Need to Know

Last updated March 29, 2017. The state of Texas takes pride in doing things differently than the rest of the country. However, when it comes to bankruptcy, Texans will find some similarity in the process regardless of which region they file in. The bankruptcy code is federal law, meaning it applies uniformly nationwide. For this […]

Deficiency Judgment After Foreclosure Bankruptcy

Deficiency Judgment: After Foreclosure, Do I Owe Money?

Last updated April 13, 2017. A common misconception among consumers is that after foreclosure they will not owe their mortgage lender. Many homeowners who go through foreclosure are surprised to learn that they still owe money on their house, even though they no longer own it! Most mortgage lenders require borrowers to personally guarantee the […]

Bankruptcy Cost Chapter 7 Chapter 13 with Attorney

How Much Does It Cost to File Bankruptcy?

Last updated March 31, 2017. Everyone preparing to file for bankruptcy wants to know the cost. After all, bankruptcy usually comes at a time when money is tight. Below, we’ll talk about filing fees, attorney fees, the cost of filing on your own versus filing with an attorney, and what your expected total bankruptcy cost […]

How Long Does Foreclosure Take?

How Fast Can the Bank Foreclose on My Home? Most lenders will not begin foreclosure proceedings until a borrower is 3-6 months behind on their payments. Although missing a single payment is technically a default under the terms of most loan documents, lenders have neither the time nor the desire to foreclose on borrowers who […]

Filing Chapter 7 Bankruptcy in North Carolina: What You Need to Know

So, you’re getting ready to file for bankruptcy in North Carolina and find yourself looking online for answers. Time to panic? Absolutely not. It’s time to learn the law and explore your options. We’ll start at the beginning, with the biggest misconception that North Carolinians, and consumers in general, have about filing for Chapter 7 […]