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Reaffirming a debt means that the debtor agrees to be responsible for a debt that would otherwise be discharged. This procedure most frequently arises when a chapter 7 debtor has a secured vehicle loan. The loan agreement provides that if the debtor files for bankruptcy, that filing is a default and the lender can now…
We truly understand that finding the right attorney can feel overwhelming and daunting, especially when you’re under the relentless pressure of debt collectors. It’s a situation that can leave you feeling stressed, anxious, and uncertain about your future. Please know that you’re not alone in this struggle, and we want to assure you that there’s…
Chapter 20 Bankruptcy – File a chapter 7 to discharge unsecured debt then file a chapter 13 to stip-down or strip off a secured or partially secured debt. This procedure is sometimes described as a chapter 20 but there is no such chapter. 7+13 = 20 hence the name. A chapter 7 discharges personal liability….
The means test is a mathematical formula established by congress, creating standards to qualify a person to obtain relief under the bankruptcy code and to determine whether they will be required to repay some of their debts or merely discharge them. In order to put all persons on the same playing field, congress established both…
A small business case is a Chapter 11 Small Business proceeding filed by a person engages in business activities other than owning or operating real property that has liquidated debts as of the filing date of not more than $3,024,725 as of February of 2024 and in which the Debtor has not elected subchapter V,…
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