Choosing To Change Your Finances

  • Navigating Chapter 13 Bankruptcy: A Path to Financial Renewal

    26 March 2024

    In the complex landscape of financial recovery, Chapter 13 bankruptcy emerges as a structured and dignified route for individuals facing overwhelming debt. This strategic legal process allows debtors to reorganize their financial obligations, providing a framework for repayment while retaining possession of valuable assets. This blog delves into the core aspects of Chapter 13 bankruptcy, offering clarity on its workings, benefits, and considerations, thereby demystifying this path to financial stability.

  • Facing Foreclosure? 5 Things To Do Before You Get Served The Foreclosure Notice

    25 July 2023

    If you're facing the foreclosure of your home, don't give up. Foreclosure can be a stressful situation, but there are still things you can do. You might think you're fighting a losing battle. That's not the case. Until you're given the order to vacate your home, there are still things you can do to avoid foreclosure. If you're not sure what to do to save your home, read the list below.

  • Steps To Take If You Want To Clear Up Your Back Taxes

    18 November 2022

    Owing money leaves you in a bad position, regardless of what the money is for. However, owing money for back taxes is one of the worst debts you can have. Unfortunately, the IRS is relentless and doesn't eliminate tax debts that people owe. So if you owe money to the IRS, you need to find a way to pay the money. Are you looking for a way to clear up this debt?

  • How A Foreclosure Attorney Can Help You

    25 March 2022

    If you have recently faced some difficult times and now find yourself in the midst of a home foreclosure, you are going to want to obtain legal representation. This is important for a number of reasons. To help you better understand why retaining a foreclosure attorney is such a good idea, you will want to review the following information: They Can Take Over All Communication With The Bank For a lot of people, just trying to talk with representatives at the bank can be a frightful and overwhelming experience.

  • 5 Steps to Prepare for a Bankruptcy 341 Meeting

    20 October 2021

    One of the most important steps in bankruptcy is a procedure known as a 341 meeting. The purpose of this meeting is to ensure that the information given to the court is correct and allow the creditors to ask questions relevant to repayment. The more prepared you are for this meeting, the better results you will get. To help you prepare, here are five key things to do before your 341 meeting.

  • Frequently Asked Questions About 341 Meetings

    25 May 2021

    If you file for chapter 7 and 13 bankruptcy, you're required to attend a 341 meeting. This is a meeting presided over by a bankruptcy trustee who is handling your case. It provides an opportunity for the creditors and bankruptcy trustees to question you under oath regarding your assets, liabilities, and other issues regarding your bankruptcy case. Here are some frequently asked questions about 341 meetings. Must One Attend the 341 Meeting?

  • Using Chapter 7 Bankruptcy And Filing Soon? Have These Things Ready

    23 February 2021

    Are you getting close to filing for Chapter 7 bankruptcy? If so, you are going to need to get a few things ready before meeting with your bankruptcy attorney.  List of Real Estate Start by gathering a list of all the real estate you own. If you are worried about losing your property, know that it is possible to exempt your property in most states, but you still need to state what you own.

  • What Occurs in a Debt Consolidation Bankruptcy?

    11 February 2021

    A debt consolidation bankruptcy is a bankruptcy that combines all of your debt using a bankruptcy trustee and those debts are paid back in a manner that suits your financial situation. Your debts are paid back over several years. If you do everything that the trustee and bankruptcy court require, then your bankruptcy is discharged and all included debts will be wiped out. If you are thinking of filing for a debt consolidation bankruptcy, read on for what you can expect to happen.

  • Vehicle Included In Your Bankruptcy? What You Should Know

    29 January 2021

    When you file for bankruptcy, you have to provide all of the information about your assets to your bankruptcy trustee and attorney. Your assets like your house and your vehicle are things that need to be included in your bankruptcy. If you are going to be filing for bankruptcy, or you are in the middle of your bankruptcy, and you have a vehicle included in your bankruptcy, you may be wondering what happens to your vehicle.

  • Can You Discharge All Your Debts With Bankruptcy?

    7 January 2021

    If you have a lot of debts that you can't pay back, you may be wondering if bankruptcy is the answer. It is important to know which debts will not be able to be discharged in bankruptcy so that you know if you can take advantage of this legal way to gain back your financial freedom.  Taxes There are many types of taxes you may owe, such as property taxes and income taxes.