How a Chapter 13 Bankruptcy Works

A debtor seeking relief under Chapter 13 must provide a practical and reasonable plan to pay off some or all of their debt over a period of time.  A Chapter 13 bankruptcy plan lasts for 36 to 60 months depending upon your income.  In some circumstances, a debtor may...

What Actions Must a Debt Collector Avoid

Even if you owe the money, there are some actions that a debt collector cannot take pursuant to the Fair Debt Collect Practices Act. A debt collector may only contact you between the hours of 8:00 am and 9:00 pm. The debt collector may not contact you at work also. A...

What is the automatic stay?

Upon the filing of your Chapter 7  or 13 Bankruptcy, an automatic stay goes into place which means that most creditors are prohibited from taking any action to collect a debt that you owe. If a creditor tries to collect a debt in violation of the automatic stay then...