Category Archives: Bankruptcy

Myth No. 9: If You Own A Home You Must Give Up Your Home If You File For Bankruptcy.

If you already own a home you must give up your home if you file for Bankruptcy. To the contrary both Chapter 7 and Chapter 13 can be used to keep your home. Your home mortgage is a secured debt. … Continue reading

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Myth No. 8: You Can Never Own A Home If You Have Filed For Bankruptcy

You can never own a home if you have filed for Bankruptcy. False. To the  contrary, assuming that you otherwise qualify, (Have a down payment, closing costs, a job, etc.) it is likely that you would be able to purchase a … Continue reading

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Myth No. 7: If you file for Bankruptcy, you will never be able to get any new credit for anything.

You can get credit after you file for bankruptcy. It takes time to re-establish credit, but you can if you want to get credit. I say ” if you want to get credit” because it is a very tempting to start … Continue reading

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Bankruptcy Myth No. 6: You can no longer stop a foreclosure by filing for Bankruptcy.

The bankruptcy myth that you can no longer stop a foreclosure proceeding by filing for bankruptcy is simply no true!    Both a Chapter 7 bankruptcy and a Chapter 13 bankruptcy will stop a foreclosure, but with different long term results. … Continue reading

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They Went Broke Too! Jasmine Guy.

Jasmine Guy, best known for her role as Whitley Gilbert in the late 80’s, early 90’s TV series,  A Different World,  has filed for Chapter 13 bankruptcy. The bankruptcy results in part from financial problems following a recent divorce. A … Continue reading

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They Went Broke Too! William Jefferson

Recently convicted U.S. Representative William “Bill” Jefferson, has filed for Chapter 7 bankruptcy protection along with his wife.  The bankruptcy was filed on August 27, 2009 in the Bankruptcy Court for the Eastern District of Louisiana, which is the bankruptcy … Continue reading

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Myth No. 5: The Bankruptcy Court will take all of your property if you file.

One of the biggest misconceptions about bankrputcy is that the Banruptcy Court will take your house, car and belongings when you file and sell them to pay your creditors. The truth is that most people who file for bankruptcy keep … Continue reading

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Myth No. 4: The IRS Will Audit Your Prior Tax Returns If You File For Bankruptcy.

I am unsure how the myth came into existence that the IRS will audit prior tax returns if you file for bankruptcy. This is simply just not true! I have been in practice for 23 years and have never had … Continue reading

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Myth No. 3: Credit Card Debts Can No Longer Be Discharged In A Bankruptcy.

One of the misconceptions some clients have is that credit card debts can no longer be discharged in a Bankruptcy. This myth comes from changes in the Bankruptcy Code from when the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) was … Continue reading

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Myth No. 2: You Can Only File For Bankruptcy Once.

You can only file for Bankruptcy once!  This is not true. However, there are limitations on how often you can file a bankruptcy. If you have received a discharge in a Chapter 7 bankruptcy, you cannot file for a Chapter … Continue reading

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