If you’re struggling with debt despite earning a decent living, you may benefit from filing for Chapter 13 bankruptcy. This opportunity will allow you to reorganize your debt so that paying it off is a more manageable process. As a bonus, you’ll receive a discharge of...
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Chapter 13 Bankruptcy
What happens if you lose your job during Chapter 13 bankruptcy?
Your financial circumstances were already difficult, which is why you had to file for Chapter 13 bankruptcy. Renegotiating and restructuring your debt could help when your budget has very little wiggle room. Only needing to make one payment each month as part of your...
Don’t take on new debt during bankruptcy without permission
A Chapter 13 bankruptcy allows you to pay back a portion of what you owe over three to five years (depending on your circumstances). During that time, you have relief from creditor calls and other collection actions. Plus, you will have a reasonable monthly payment on...
Don’t dismiss the idea of a Chapter 13 bankruptcy too fast
If given the choice, many people would choose Chapter 7 bankruptcy over Chapter 13. After all, Chapter 7 offers a totally fresh start and is quicker, while Chapter 13 is longer and requires you to repay some of your debts over time. However, if you don’t qualify for...
Should you consider Chapter 13 bankruptcy if you’re behind on your debts?
You’ve fallen behind on several of your debts, but you don’t feel like you won’t ever be able to pay them back. You know that you’re dealing with hard times right now, but you also feel obligated to pay what you owe. It’s important for you to understand that there are...
Helping you reduce debt through a Chapter 13 filing
When financial problems hit, it can feel like there is nothing else going on in the world. Debt can be burdensome, and when it becomes overwhelming, individuals in New Hampshire and elsewhere may start to consider debt relief options. While one is hopeful that they...
Is Chapter 13 bankruptcy the right choice for me?
When struggling with financial problems, it can be difficult to determine the best way forward. You may worry that in response to the financial issues that you are facing, you will make a wrong move that will leave you in a worse position. This is why you must take...
How are Chapter 13 bankruptcy plans calculated?
When people in New Hampshire think of bankruptcy, their first thought may be of Chapter 7 bankruptcy, in which the debtor's assets are collected and sold to pay back creditors. However, another bankruptcy option available to some is Chapter 13 bankruptcy. In this type...
The Chapter 13 bankruptcy repayment plan starts with you
Not every person in New Hampshire who wants to file for bankruptcy will qualify for Chapter 7 "liquidation" bankruptcy, particularly if they do not pass the Chapter 7 means test because their income is too high. However, filing for Chapter 13 bankruptcy may be an...
Guiding you through a Chapter 13 bankruptcy
When individuals in New Hampshire and elsewhere are struggling with debt, their first thought might be that it isn't that big of a deal, as many people carry credit card debt. The problem with debt is that if it continues to go unaddressed, it can get out of control....
