Tag Archives: chapter 13

A Chapter 13 You Can Afford?

Low Down Payment I can go as low as required by the case plus filing fee. I set the down payment on a case by case basis. If you’re under the gun and have to get filed and if you’re serious … Continue reading

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Why You Should Use Chapter 13 to Consolidate Your Debts When You Have a Higher Income?

What if you make a lot of money but have a lot of debt? Has a process server shown up at your door yet with a summons and complaint? When you have a higher income, this is a serious problem. … Continue reading

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8 Chapter 13 Bankruptcy Pitfalls You Can Avoid

Chapter 13 is a Great Tool, Unless . . .  There are pitfalls to avoid. Getting your case dismissed when you thought it was your last hope to save your house is a disaster.  Yet, it happens much more often … Continue reading

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10 Things You Must Know About Chapter 13 If You Do Not Qualify for Chapter 7

So, Attorney Gandalf has told you that “You Shall NOT Pass!” That’s what Gandalf in the Lord of the Rings told the Demon-Balrog as it attempted to cross a narrow bridge deep in the Mines of Moria. So now you’ve … Continue reading

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Cash for Keys

If you lose your home to Foreclosure . . . If you cannot afford to pay for your home, if you cannot eventually get a loan modification, if a Chapter 13 just won’t work for you, then you will lose … Continue reading

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Bankruptcy Means Test Basics

Bankruptcy Means Test Basics _____________ Bankruptcy Means Test is the Chapter 7 Qualification Test. However, if you do not qualify for a 7, it is also used to determine the amount of your chapter 13 plan payment. Additionally, it determines … Continue reading

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Chapter 13 2nd Mortgage Lien Stripping

Chapter 13 2nd Mortgage Lien Stripping You may be able to strip your 2nd mortgage or home equity line of credit, Heloc, off of your home in a Chapter 13.  Not only can you discharge the loan, or promissory note … Continue reading

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Debt Freedom and Retirement

Debt Freedom is Required for Retirement If you’re like most of us, you’re planning to retire on your 401k or other similar Retirement plan. And you’re wondering if Walmart and McDonalds will have too many “senior” team members when you … Continue reading

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YOUR HOA MAY SUE YOU EVEN AFTER YOUR BANKRUPTCY

YOUR HOA MAY SUE YOU EVEN AFTER YOUR BANKRUPTCY: THE BANKRUPTCY CODE SPECIFICALLY ALLOWS IT!  The Rule is that you can eliminate your personal liability to pay your Home Owner’s Association up to the date that you file your case.  … Continue reading

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Why Bankruptcy?

You cannot serve God and Mammon. But watch what the servant did. In that parable the servant was told by the business owner that he was going to be fired because he hadn’t collected on the accounts. As the accounts manager was a bad servant because he hadn’t collected. So he settles a bunch of the accounts and he gets a commendation for it. Continue reading

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