Can You Buy A House If You Declare Bankruptcy?

Posted on 26 July 2015

Bankruptcy is designed to give consumers the chance to start over, financially speaking, which means that declaring bankruptcy does not have to signal a permanent end to your financial viability. Assuming that your bankruptcy is successfully discharged, you will be able to buy a house someday if you take the following steps. Show Financial Responsibility It may sound backwards, but the first step to buying a house after declaring bankruptcy is to rebuild your credit, and the best way to rebuild your credit is to get a secured credit card. [Read More]

Warning Signs Of Fake Debt Collectors

Posted on 21 July 2015

Being behind on your bills can result in an onslaught of collections calls. While there are laws that regulate the behavior of credit collection agencies, even those agencies that obey the rules can be aggressive and annoying. When you fall behind, collection agencies hired by your credit card, bank or loan companies can contact as often as they wish; there are no limits to the number of phone calls. There are limitations on the time of day, however; they must contact you only between 8 a. [Read More]

Four Of The Most Common Laws Your Debt Collector May Be Breaking

Posted on 17 July 2015

Did you know that debt collectors have very strict rules that they need to follow if they want to recover your debt? Not only are there many rules, but there are laws that they have to adhere to or they can be sued. A debt defense attorney can help you determine whether your debt collectors are breaking any laws. Here are a few of the most common laws that debt collectors break. [Read More]

What You Need To Know About Your Bankruptcy Creditor's Meeting

Posted on 14 July 2015

Filing for bankruptcy means a lot more than just a legal document filed with the courts. Bankruptcy should be considered a process, with several steps. Once you have met with your bankruptcy attorney and filled out your paperwork, the bankruptcy petition is filed. Before your bankruptcy becomes final, however, you must appear at the creditor's meeting. It can be daunting to be faced with this meeting that makes public your sensitive financial affairs. [Read More]

About Me

self-file or hire a bankruptcy attorney?

When I first starting considering bankruptcy as an option, I wondered if I needed to pay the fees associated with hiring an attorney. I started looking into those self-filing options with the hopes of saving a little money that I really didn't have. After doing quite a bit of reading, I found that many people who attempt to self-file for bankruptcy take a much longer time to get through it. Why would a process take longer just because you are filing the documents yourself? The short answer - mistakes. Find out what I learned when researching self-filing bankruptcy and make the decision that is best for your personal situation.

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