The answer depends on which chapter you file. Chapter 13 bankruptcy is court-approved repayment plan that helps debtors make affordable payments on debt obligations. Chapter 7 bankruptcy can eliminate qualifying debts through a discharge approved by the court. Once you have a better idea where you stand with your finances and how you qualify for...

The answer depends on which chapter you file. Chapter 13 bankruptcy is court-approved repayment plan that helps debtors make affordable payments on debt obligations. Chapter 7 bankruptcy can eliminate qualifying debts through a discharge approved by the court. Once you have a better idea where you stand with your finances and how you qualify for... Read more »

There are specific time restrictions on when you can file certain bankruptcy cases.  For Chapter 7, you can only receive a discharge of certain debts every eight years.  There are also complex rules for filing Chapter 13 subsequently to a Chapter 7.  In the video below, we talk about Chapter 7 in particular and how+ Read MoreThe post How Often Can You File Chapter 7 Bankruptcy? appeared first on

The federal Fair Credit Reporting Act (FCRA) provides a consumer with certain rights regarding his file in the credit bureau. The FCRA was enacted to promote the accuracy, fairness, and privacy of information in the files of a credit bureau.

The federal Fair Credit Reporting Act (FCRA) provides a consumer with certain rights regarding his file in the credit bureau. The FCRA was enacted to promote the accuracy, fairness, and privacy of information in the files of a credit bureau.

A woman indicted on bankruptcy fraud charges is also charged with intentionally setting a retail store on fire.  Debra Fowler Kessinger, 57, was recently indicted in connection with a fire that took place in 2011 in Warren Country Kentucky. Kessinger was formally charged by a grand federal jury in connection to a fire that destroyed […]

A woman indicted on bankruptcy fraud charges is also charged with intentionally setting a retail store on fire.  Debra Fowler Kessinger, 57, was recently indicted in connection with a fire that took place in 2011 in Warren Country Kentucky. Kessinger was formally charged by a grand federal jury in connection to a fire that destroyed... Read more »

Protecting Life Insurance When filing a chapter 7 bankruptcy, you are allowed to protect a certain amount of personal property. One of those items of personal property is life insurance. Life insurance is treated two different ways when filing bankruptcy. The first involves term life insurance. Term life insurance provides for a death benefit.

VirginiaDebtRelief.org, one of those “Avoid Bankruptcy” outfits–is unusual because they claim to be rated A+ by the Better Business Bureau.

Written by Ken Jorgensen 

A creditor's telephone calls can become harassing and threatening.  This problem gets worse if you have a lot of creditors seeking payment today.