Without doubt, Chapter 13 Bankruptcy is the most powerful tool for reorganizing your finances in the US – the free world. Chapter 13 gives you an opportunity to reorganize your life and emerge from the dismal darkness of the absolute hell of insolvency. Lately, I have met with several people who are in 13’s and…

This question comes up all the time. People who have trashed their credit scores worry about getting credit again. Here is how it works? I helps if you start out by cleaning up your past wreckage. In other words, file for BANKRUPTCY get your discharge and move forward. For most of us – we don’t…

I am attaching a portion of the Chapter 13 Handbook that you were given at your 341 hearing right after your Chapter 13 case was filed. Please take a moment and review this attachment. I have high lighted and underscored the more relevant provisions. It is extremely important that you read this attachment and keep…

No. Under Section 525(b) private employers are prohibited from terminating or discriminating against you because you file for Bankruptcy under Chapter 7 or Chapter 13. That being said, a prospective employer may run a back ground check on you and deny you employment based upon your filing. It just depends on the employer. Our State…