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There are 2 types of questions that people receiving benefits ask:

Can Personal Income tax be discharged in Bankruptcy: Chapter 7 or Chapter 13?

Private creditors (like credit card companies and medical bills) have a limited amount of time to collect debts. This article will itemize some of the most common types of debts.

RED LIGHT AND CAMERA TICKETS Can Chicago Parking tickets be eliminated in Chapter 7? Yes, based on conditions.

A Wage Garnishment demands that your employer pays them 15% of your gross income: not net income. For example, gross income is $600 per week the deduction is $90.

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.

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.

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 of financial hurting people.

Often a person is fearful of filing Chapter 7 bankruptcy because he/she/they would lose the personal property. Generally, that is a needless concern. Why? Because there are Personal Property Exemptions.

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 prior case and received a discharge. If the case was dismissed it doesn’t count.