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Questions

The following posts are questions submitted by National Bankruptcy Forum readers, or questions people who are considering filing bankruptcy often ask themselves. Bankruptcy can be a complicated process, so you shouldn’t feel ashamed if you don’t understand all of it. Maybe you need to know more about bankruptcy exemptions in your state, how to qualify for filing Chapter 7 bankruptcy, or how bankruptcy may affect your career. If you have questions about bankruptcy or would like a free debt evaluation, please reach out to us at National Bankruptcy Forum by filling out our online contact form or calling 877-280-4299.

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Does my girlfriend’s contribution to utilities hurt my ability to qualify for chapter 7 bankruptcy?

Reader Question: I live with my girlfriend who has her house paid-off. I pay her $450 month for my share of the food and utilities. I earn just under the cutoff to be able to file for Chapter 7 BK. The problem, as I see it, is would I have to include what she pays…

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Wage Garnishment Laws in NY: Can Creditors Take My Paycheck?

Last updated Oct. 30, 2017. Although many people believe that missing a payment or two on a debt can result in a quick garnishment of their wages, this is not the case. Having one’s wages garnished in New York State is the end result of a process that can last for several months. With credit…

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Can I pay back family before bankruptcy?

In times of difficulty, we naturally turn to family and friends for help. The same holds when those difficulties are financial. Family and friends know you and understand your troubles; they’ll be willing to lend you a hand even when banks won’t. They trust you regardless of your credit score. If you borrow from people…

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Gift or Loan, and Why Does It Matter for Bankruptcy?

Last updated May 31, 2017. When you’re struggling with debt, it’s natural to turn to friends and family for help. They know you and they trust you, making it simpler and easier to seek financial aid from them than from a bank. If your financial difficulties continue and you decide to file for bankruptcy protection,…

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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…

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Are the Bible’s Debt Forgiveness Principles Codified in the Bankruptcy Code?

What Does the Bible Have to Say About Bankruptcy? Is It Ethical? Is filing for bankruptcy ethical? What does the Bible say about the debt forgiveness industry? For the religious among us, the answer to the ethical questions surrounding bankruptcy and debt forgiveness are likely to be found through our faith. Indeed, the Bible addresses…

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