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When you finance the purchase of a car you give the lender a lien on the car. Likewise, it you own your automobile free of liens and borrow money against it (like a Title Loan) the lender has a lien on your car.

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Filing any form of Bankruptcy is a serious matter. It should not be taken lightly. There are times when good folks just get too far in debt to be able to handle it. The banking industry generates myths and lies to prevent or delay individuals from filing Bankruptcy. Why? Because they want to squeeze after last penny they can out ...

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For individuals filing Chapter 7 or Chapter 13 they have to take a Means Test. What is it? You have to list all the gross income in the family and compare it to certain standards.

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A few years ago we helped a woman who was in a wheelchair and housebound to file Chapter 13. Most of the work was done over the phone. Then I went to her house to get signature, etc.

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This article is only about timing: not whether you can otherwise or should file a bankruptcy and, it is about individuals who have previously filed a bankruptcy: either Chapter 7 or Chapter 13. Also, the operative dates are the date of filing the prior case and not the date of discharge and, the following rules apply when you filed a ...

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