Chapter 13 Bankruptcy

Keep Your Property & Repay Debts Over Time

Author: Stephen Elias

Publisher: Nolo

ISBN: 1413322727

Category: Business & Economics

Page: 288

View: 8601

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When you file for Chapter 13 bankruptcy, you can wipe out some of your debt and pay off the rest over time with a repayment plan approved by the bankruptcy court. You may be able to: avoid foreclosure stop car repossession reduce car loan debt stop most debt collectors, and remove junior liens from your home Here, you'll find clear explanations of the Chapter 13 process and worksheets to help you: consider alternatives to bankruptcy decide if Chapter 13 is your best option determine if you qualify for Chapter 13 estimate your monthly plan repayment find and work effectively with an excellent lawyer, and rebuild your credit after bankruptcy This revised edition includes all the latest changes in bankruptcy law, including updated 50-state exemption tables, and important U.S. Supreme Court decisions. If you are considering or have decided to file Chapter 13 bankruptcy, Nolo’s Chapter 13 Bankruptcy is the essential guide you need to understand the procedures and law. Please note: This book does not cover business bankruptcies, farm reorganizations, or Chapter 7 personal bankruptcy. For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy.

Chapter 13 Bankruptcy

Keep Your Property & Repay Debts Over Time

Author: Stephen Elias Attorney

Publisher: Nolo

ISBN: 1413317251

Category: Business & Economics

Page: 288

View: 7002

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Reduce your debts, save your property -- and start over! If you're considering bankruptcy, your resources are undoubtedly already stretched thin. Use the plain-English information and instructions in Nolo's Chapter 13 Bankruptcy to help you use your income to repay your debts over time and keep valuable property from going to your creditors. And now you can avoid attorney fees and do it yourself -- let Nolo's Chapter 13 Bankruptcy show you how to: - determine whether you qualify for Chapter 13 - stop a house foreclosure - estimate monthly payments - devise an acceptable repayment plan - complete and file forms - make up missed mortgage payments - pay off other debts - represent yourself before a bankruptcy judge or trustee This edition includes recent court decisions interpreting federal bankruptcy law, the latest changes to official forms and dollar amounts, as well as the latest bankruptcy exemption laws of your state. Plus, you can start your bankruptcy filing right away with up-to-date legal documents and all the instructions you need to fill them out. Whether you work with a lawyer or file on your own, you'll find everything you need to take charge of your debts in Chapter 13 Bankruptcy. Please note: This book does not cover business bankruptcies, farm reorganizations, or Chapter 7 personal bankruptcy. For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy. If you own your own business and are considering Chapter 7 bankruptcy, see Nolo's Bankruptcy for Small Business Owners.

Chapter 13 Bankruptcy

Keep Your Property & Repay Debts Over Time

Author: Cara O'Neill

Publisher: Nolo

ISBN: 1413325165

Category: Business & Economics

Page: 416

View: 9755

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Are you considering filing for Chapter 13 bankruptcy? Use this plain-English guide to decide if a Chapter 13 case is right for you. Chapter 13 Bankruptcy explains how the process works, which debts will get discharged at the end of your bankruptcy case, how much you'll pay through your plan, and what you'll have to do to keep your home and car. Also, this book provides the knowledge you'll need to: determine how much you'll pay on each of your debts calculate your monthly plan payment find the right lawyer, and rebuild your credit after bankruptcy. The newest edition contains legal updates, state-specific bankruptcy charts, examples using the newly revised official bankruptcy forms, and more.

Chapter 13 bankruptcy

repay your debts

Author: Robin Leonard

Publisher: NOLO

ISBN: 9780873373401

Category: Business & Economics

Page: 368

View: 3816

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Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? If you fear that you may lose property, or if you have overwhelming debts that can't be eliminated in Chapter 7 bankruptcy, Chapter 13 may offer a solution. It lets you reorganize your debts into a repayment plan you can afford -- and keep your house, car and other property. The 6th edition is completely revised and updated -- it provides the latest legal documents and current bankruptcy-exemption laws for all 50 states. Whether you work with a lawyer or file on your own, you'll find the information you need to take charge of your debts in Chapter 13 Bankruptcy. Book jacket.

The Foreclosure Survival Guide

Keep Your House Or Walk Away With Money in Your Pocket

Author: Stephen Elias,Amy Loftsgordon,Leon Bayer

Publisher: Nolo

ISBN: 1413321844

Category: Business & Economics

Page: 360

View: 4686

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"If you're one of the millions of Americans in danger of losing your house, The Foreclosure Survival Guide provides the practical information you need, "--Amazon.com.

Bankruptcy for Small Business Owners

How to File for Chapter 7

Author: Stephen Elias,Bethany K. Laurence

Publisher: Nolo

ISBN: 141331080X

Category: Business & Economics

Page: 593

View: 1579

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Use Chapter 7 bankruptcy to wipe out your debts! Bankruptcy for Small Business Owners has the strategies and solutions you need to assess the financial condition of your business and determine whether you should declare bankruptcy to get rid of your debts. Learn about: what business debts and assets (if any) are affected by your bankruptcy bankruptcy options and the eligibility factors and downsides of each "look back" requirements -- periods of time during which personal or business actions have created obstacles to filing for bankruptcy the automatic stay and putting a stop to collections efforts valuation of business assets, including good will and intellectual property exemptions that protect a small business owner's property what happens to a house in bankruptcy Find out which forms you need to fill out, plus get all the instructions you need to file them in court. Keep as much of your property as possible and tackle debt so you can move on to your next venture with Bankruptcy for Small Business Owners.

Personal Bankruptcy Laws For Dummies

Author: James P. Caher,John M. Caher

Publisher: John Wiley & Sons

ISBN: 1118052803

Category: Business & Economics

Page: 384

View: 9290

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With tips on understanding -- and surviving -- the new bankruptcy laws If you're considering bankruptcy, you need straightforward answers and reliable advice. This handy guide covers it all -- so you can get your finances in line and your life back on track. This updated new edition covers everything you need to know about the new bankruptcy law and includes even better resources. Don't get desperate -- get out of debt instead! Discover how to * Weigh the consequences of bankruptcy * Manage your spending * Find professional help you can trust * Decide on the right type of bankruptcy * Pass the means test * Keep more of your stuff

Personal Finance: An Encyclopedia of Modern Money Management

An Encyclopedia of Modern Money Management

Author: Barbara Friedberg

Publisher: ABC-CLIO

ISBN: 1440830320

Category: Business & Economics

Page: 403

View: 4499

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This jargon-free resource explains the who, what, why, and where of contemporary personal finance in simple, easy-to-grasp language, covering the key people, events, terms, tools, policies, and products that make up modern money management. • Supplies accessible, comprehensive financial information that explains complex topics in simple language • Shows the relationship between personal finance and everyday life, from renting an apartment to saving for retirement • Answers a wide variety of personal finance questions • Provides a resource suitable for both personal and scholarly use

The Fragile Middle Class

Americans in Debt

Author: Teresa A Sullivan,Elizabeth Warren,Jay Lawrence Westbrook

Publisher: Yale University Press

ISBN: 9780300091717

Category: Business & Economics

Page: 380

View: 6031

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More than a million American families now file for federal bankruptcy annually, & many more are perilously close to financial disaster. In this important analysis of hard-pressed families, recently featured in articles in Newsweek, Forbes, Chronicle of Higher Education, & the New York Times, the authors discover that financial stability for many middle-class Americans is all too fragile. The authors consider the changing cultural & economic factors that threaten financial security & what they imply for the future vitality of the middle class.

What Everyone Ought to Know About: Debt Relief Today! Some Plain Talk About Today's Economy That no one Talks About!

Author: Jon L. Martin, Esq., J.D./M.B.A.

Publisher: Mira Digital Publishing

ISBN: 1631100653

Category: Business & Economics

Page: N.A

View: 3440

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Late on Your Credit Card Payments? Worried about Losing Your Home? Before you talk to a Credit Collector, Sign any Settlement Agreement, or EVEN THINK of hiring a Lawyer.... You Need to Read This Book! GET THE BOOK! What Credit Card Companies, Mortgage Lenders & other Creditors, DON'T Want You to Know! Get Rid of Stress! Start Sleeping Again! Stop the Phone Calls! Stop Repossession! "Remember, “Bankruptcy is Not the END…It is the Beginning of a Better Life!” Are You Late for Work because the Repo Man is Outside?

How to Get Credit After Filing Bankruptcy

The Complete Guide to Getting and Keeping Your Credit Under Control

Author: Mitch Wakem

Publisher: Atlantic Publishing Company

ISBN: 1601381379

Category: Business & Economics

Page: 288

View: 1359

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According to the United States Bankruptcy Courts, the number of bankruptcies filed each year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13. Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years. A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates. In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit. Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.

How to Make Your Credit Card Rights Work for You

Save Money

Author: Franshone Winn Esq

Publisher: Xlibris Corporation

ISBN: 1469169436

Category: Business & Economics

Page: 308

View: 3990

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How to Use Your Credit Card Rights Work For You is a clear, concise, and comprehensive guide of credit card rights and how to use them. The book is a must read for credit card holders of all ages and also those who are applying for a credit card. The book explains your rights when you apply for a credit card, when you have a credit card, and when you have a dispute with the credit card issuer. The book also explains what to do when you feel your credit card rights are Violated. Readers of this book will know how to use their credit card rights to save money and reduce debt.

Quick, Answer Me Before I Forget the Question

100 Answers You're Old Enough to Hear

Author: Lynette Padwa

Publisher: Penguin

ISBN: 1101201940

Category: Self-Help

Page: 304

View: 6652

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Just for fun is this wonderful little book for anyone harassed by those inevitable signs of aging, e.g., short-term memory loss and income strategies for retirement. In this everything-you-wish-you-didn't-need-to-know guidebook, Padwa (Say the Magic Words: How To Get What You Want from the People Who Have What You Need) discusses midlifers' sense of smell, income possibilities, and retirement havens. She also tackles such issues as ridding oneself of debt and the safety of dying pubic hair. Sure to attract attention and readership; recommended for all public libraries.

The Art of RF (Riba-Free) Islamic Banking and Finance

Tools and Techniques for Community-Based Banking

Author: Yahia Abdul-Rahman

Publisher: John Wiley & Sons

ISBN: 1118770900

Category: Business & Economics

Page: 544

View: 4169

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Updated and expanded insights into Islamic banking and finance From Yahia Abdul-Rahman-the father of Riba-Free (RF) banking-comes the expanded edition of the definitive resource that offers an understanding for applying Islamic banking and financial practices. No matter what your faith or religious beliefs, the book shows how to take a modern American approach to incorporating Islamic financial principles into banking and investment techniques. The Art of RF (Riba-Free) Islamic Banking and Finance describes the emergence of a culture of Islamic banking and finance today, which is based on the real Judeo-Christian-Islamic spirit and has proven very effective when compared to 20th century models that use financial engineering and structural techniques to circumvent the Shari'aa Law. The author also reveals information about how fiat money is created, the role of the Federal Reserve, and the US banking system. Abdul-Rahman includes a wealth of real-life examples and offers an analysis of how this new brand of banking and financing yields superior results. Offers the fundamentals on Riba-Free (RF) banking Shows how to apply RF to everything from joint ventures and portfolio management to home mortgages and personal finance Reveals what it takes to incorporate Shariah Law into US financial systems Includes information on why RF banking is a socially responsible way to invest Thoroughly revised and updated, this resource offers a handbook for applying Shari'aa law to American banking and finance.

Managing Your Money All-In-One For Dummies

Author: Consumer Dummies

Publisher: John Wiley & Sons

ISBN: 9780470481486

Category: Business & Economics

Page: 696

View: 2597

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Want to take control of your finances once and for all? Managing Your Money All-in-One For Dummies combines expert money management with personal finance tips. From credit cards and insurance to taxes, investing, retirement, and more, seven mini-books show you how to improve your relationship with money — no matter your age or stage of life. This easy-to-understand guide shows you how to assess your financial situation, calculate debt, prepare a budget, trim spending, boost your income, and improve your credit score. You’ll find ways to run a money-smart household, reduce waste, and cut medical and transportation expenses as you tackle your debt head-on and develop good saving habits. You’ll even get help choosing the right mortgage and avoiding foreclosure, saving for college or retirement, and determining your home-, car-, and life insurance needs. Discover how to: Take charge of your finances Manage home and personal finances Lower your taxes and avoid tax audits Plan a budget and scale back on expenses Deal with debt and negotiate with creditors Save and invest safely for college or retirement Protect your money and assets from fraud and identity theft Ensure a comfortable retirement Plan your estate and safeguard a will or trust Managing Your Money All-in-One For Dummies brings you seven great books for the price of one. Can you think of a better way to start managing your money wisely?

How to File for Bankruptcy

Author: Stephen Elias,Albin Renauer,Robin Leonard

Publisher: NOLO

ISBN: 9780873374200

Category: Bankruptcy

Page: 352

View: 6918

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Every year, more than a million people file for bankruptcy. This book gives them a clear and complete overview of the bankruptcy process, explains the repurcussions of filing for Chapter 7 bankruptcy and provides step-by-step instructions and all the forms necessary to file. It clearly outlines what debts can and cannot be eliminated in bankruptcy, what property debtors risk losing, how to protect assets and rebuild credit and how to deal with aggressive credit card companies seeking speedy credit repayment. State-by-state exemption tables included.

How to File for Chapter 7 Bankruptcy

Author: Stephen Elias,Albin Renauer

Publisher: Nolo

ISBN: 141332195X

Category: Business & Economics

Page: 440

View: 2387

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If you have more debt than you can possibly pay off, the bankruptcy system is there to help -- and with How to File for Chapter 7 Bankruptcy, you'll find the clear and user-friendly information, advice, and step-by-step instructions you’ll need to get through the entire process. First, the book will help you determine whether you qualify for Chapter 7 -- and whether it is the best way to deal with your debts. Then you'll find out how to: stop wage garnishments and attachments cancel as much debt as possible deal with secured debts keep the maximum amount of property keep your home, if possible ebuild credit after bankruptcy The 19th edition is revised to include instructions on filling out the new means test forms, changes to state exemption laws (that determine what property bankruptcy filers may keep), and the latest court decisions. Plus, state and federal charts let you quickly find your state's exemption laws. Please note: This book does not cover business bankruptcies, farm reorganizations, or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's Chapter 13 Bankruptcy.

Personal Bankruptcy Simplified

The New 2005 Bankruptcy Act

Author: Dan Sitarz

Publisher: N.A

ISBN: 9781892949349

Category: Business & Economics

Page: 255

View: 9298

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The first available do-it-yourself guide to bankruptcy using the new 2005 Bankruptcy Act, includes all of the necessary official forms and instructions. Valid in all 50 states and Washington, DC.