Make your bankruptcy trustee work for you by retrieving your recent payments to, or garnishments by, creditors–to your benefit.
Your trustee might be able to require a creditor to pay the trustee money you’d paid the creditor. Sometimes that’s good; sometimes not.
You get immediate protection from creditor collections by filing a Chapter 7 case. Same with Chapter 13 except it protects you longer, if needed. The automatic stay is the very strong legal protection from your creditors you receive when you file a bankruptcy case. The automatic stay stops virtually all attempts by creditors to collect their debts against you, … Read More
Don’t let a creditor get a judgment against you. File a bankruptcy case before that can happen.
You’ve been sued by one or more creditors. They have a judgment or are about to get one. You can stop them from garnishing your paycheck.
With very few limited exceptions the IRS/state must stop all collection activity, from the beginning to the end of your bankruptcy case.
In so many often surprising ways, bankruptcy can fix your earlier mistakes, undo harms caused by creditors, and clear a better path forward.
Almost all paycheck garnishment is illegal from the moment your bankruptcy case is filed. Here’s what to do in the rare event it happens.
Most garnishments are stopped immediately if you file bankruptcy, but some may be able to continue later. Here’s how to prevent that.
Most garnishments are stopped immediately if you file bankruptcy. But you don’t want to file too late.
Don’t take for granted how quickly and thoroughly filing bankruptcy protects you, your money, and everything else you own.
You are protected from the very powerful collection capabilities of the IRS during bankruptcy virtually as if it were just any other creditor.
You may be much more comfortable with the “straight bankruptcy” process once you read this story about how it goes.
Even though a 3-to-5-year Chapter 13 case is often the best option for income tax debts, sometimes all you need is a simpler Chapter 7.
Chapter 7 “straight bankruptcy” does not stop aggressive collections by your ex-spouse or support enforcement. But Chapter 13 does.
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