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...

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.

  1. A debt collector may only contact you between the hours of 8:00 am and 9:00 pm. The debt collector...

What does it mean to reaffirm a debt in a Chapter 7 Bankruptcy

Even though a debtor can voluntarily pay a discharged obligation, the debtor cannot readily revive the obligation to pay it. The process of reviving the obligation is called “reaffirmation” and is governed by 11 U.S.C. §524(c). 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...