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Typical bankruptcy debt types and time frames

Bankruptcy courts may discharge most consumer debts including credit cards, certain medical expenses and personal loans. Debts that filers may still have an obligation to pay include a mortgage and student loans.  Bankruptcy generally does not discharge debts not...

How do I qualify to file Chapter 7?

The most common choices when filing bankruptcy are Chapter 7 and Chapter 13. To file Chapter 7, you must meet eligibility requirements. The U.S. Courts explain you must meet a means test under bankruptcy law to file this type of case among meeting other requirements....

The 341 meeting of creditors

You filed bankruptcy for relief from creditors that have been calling and sending notices to you for months. Now, the idea of meeting with them may feel daunting. However, the 341 meeting with creditors is one of the primary components of the bankruptcy process,...

Tips for spending your money after bankruptcy

Filing for bankruptcy gives you the opportunity to reassess your finances and start with a clean slate. Without the pressure of overwhelming debt, you can focus your effort on developing healthier financial habits. You may feel uneasy spending any money during or...

Select the right credit counselor

Before people file for Chapter 7, they usually have to attend credit counseling. As people look for a counselor, there are several factors they should consider.  A credit counselor can help people understand all their financial options. According to Nerd Wallet, these...