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Chapter 7 Bankruptcy Archives

How filing for Chapter 7 bankruptcy stops harassing creditors

Bankruptcy is often vilified as the final nail in a person's financial coffin rather than the breath of fresh air that it truly is. By the time a person in Florida files for bankruptcy, he or she are usually behind on one more debts and is dealing with other serious issues, such as harassing creditors or even foreclosure. One of the most pleasant surprises people get from filing Chapter 7 bankruptcy is the automatic stay that stops many of these issues in their tracks.

When insurance fails, debt relief is often necessary

Supporting a Florida family often requires more than a single income, but few need five incomes just to survive. That is the sad reality for one out-of-state family as they struggle to repay thousands of dollars in medical debt. For families in situations like this, personal bankruptcy might be a more appropriate option for debt relief.

Seeking debt relief and help with creditor harassment

Florida consumers overwhelmed by debt understand how difficult it can be to deal with the consequences of their financial situation. From threats of foreclosure to the repossession of personal property, it can be stressful, especially when also experiencing harassment from creditors. By successfully seeking debt relief through bankruptcy, a consumer can also secure relief from the threats and tactics employed by debt collectors.

Seeking debt relief when married -- is together better?

As a married person, deciding to file for bankruptcy is a move that affects both you and your spouse. Aside from deciding whether Chapter 7 or Chapter 13 bankruptcy is most appropriate, you must also figure out whether filing jointly or separately is a good idea. Answering these questions can be hard, but it is important to do so when seeking debt relief.

How can senior citizens achieve debt relief?

The American elderly are at risk, experts say, and it is not necessarily because of medical issues. A number of factors have come together to create an enormous debt problem for the aging Florida population. With shrinking or fixed incomes, many of these individuals are turning to bankruptcy for debt relief.

Are you one of the millions who qualify for Chapter 7 bankruptcy?

Suffering financially is often categorized as just another feature of being an adult. While virtually no one wants to have to stretch their money from paycheck to paycheck, adults in Florida are often fed the message that their struggle is not uncommon, and therefore they are doing all right. According to experts, this is not the reality that people should be living with. Instead, millions of people in America could benefit from pursuing Chapter 7 bankruptcy.

Debt relief for medical bills is possible

Receiving an unexpected medical bill can be devastating for the average person's finance situation. But what about when a Florida patient is anticipating opening up their mailbox to find a large bill waiting for him or her? In some cases, knowing what is coming does not make it any easier. For those burdened by medical debt, debt relief can be a necessary component of financial recovery.

Is student loan debt relief impossible?

According to experts, the outlook is not pretty for student loan borrowers. While a college education is virtually necessary to secure a good job in Florida, the cost of that education may feel like it is rising out of control. With predictions of defaults on the rise, borrowers may want to begin considering their debt relief options.

Are federal programs failing to provide promised debt relief?

The student loan crisis does not appear to be going anywhere anytime soon, and that is perhaps because of the very few options that borrowers have for dealing with this type of debt. Many people in Florida felt optimistic about a program that was intended to provide debt relief for public service employees, but that positive outlook seems to be fading. The Public Service Loan Forgiveness program has only helped 96 people in its 11 years of existence. 

Can Chapter 7 bankruptcy help student loan woes?

As the second largest category of consumer debt nationwide, student loans are fairly common among Florida residents. Unfortunately, so is defaulting. Approximately one million borrowers default on their student loans every year. For those who think they may default on their own loans, Chapter 7 bankruptcy could provide much needed debt relief. 

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Paul Urich
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