Filing for bankruptcy involves more than just submitting paperwork. It also involves completing two educational requirements designed to help individuals better understand their finances, their options and how to avoid bankruptcy in the future. These courses are...
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Bankruptcy
How can you rebuild credit after bankruptcy?
Filing for bankruptcy is a speed bump in your financial journey. It’s a chance to take control of your finances using a legal option for taking care of your debts. One of the primary concerns that you may have is how you will rebuild your credit when the bankruptcy is...
How does bankruptcy impact car loans?
Filing for bankruptcy significantly alters how you handle a car loan. Whether you retain your vehicle or surrender it depends largely on the bankruptcy chapter you file and the current status of your loan. If you’re behind on payments or owe more than the car is...
What happens to joint credit card debt during bankruptcy?
Joint credit card debt can accumulate when two people share responsibility for the same credit card. Both account holders agree to repay any charges made on the card. This type of debt often occurs between spouses, business partners or family members. If one person...
Do bankruptcy filers need to miss work to attend court?
People in different situations may have different reasons for wanting to avoid a bankruptcy filing. Sometimes, pending financial plans for the immediate future make bankruptcy a problematic choice. Securing a car loan or mortgage in the first years after a bankruptcy...
Why bankruptcy and cancer often go hand in hand
People diagnosed with cancer generally feel anxious about the future. They worry about the survival rate for the type of cancer that they have and the treatment options available to them. Often, worrying about the financial aspect of a cancer diagnosis only begins...
Can bankruptcy help delay foreclosure?
Facing foreclosure can be a daunting experience for homeowners, but there are legal options that can provide relief. Bankruptcy is one such option that offers a way to temporarily halt foreclosure proceedings. Chapter 7 bankruptcy When homeowners file for Chapter 7...
3 signs it may be time to consider personal bankruptcy
Filing for personal bankruptcy is never an easy decision. Most people prefer to address their financial struggles without involving the courts. They hope to adjust their budgets or increase their income to regain control over their current debt-related challenges....
Tips to manage debt effectively after bankruptcy
After filing for bankruptcy in Tennessee, you might feel a mix of relief and concern. Bankruptcy provides a fresh start, but the challenge lies in maintaining your finances to avoid future debt issues. Taking proactive steps can help you manage your finances...
How can bankruptcy address crushing medical debt?
Medical debt is a significant burden for many Americans. In 2020, U.S. health care spending reached $4.1 trillion, with individuals spending an average of $12,530 on medical care. Nearly one in five households couldn’t afford medical care when needed, according to a...