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How does consumer bankruptcy protect the furniture, computer and such that you bought on credit?

Here are 7 ways filing a Chapter 7 case can help you deal with your home lender and 8 ways filing a Chapter 13 one can.

A Chapter 7 case makes sense if you want to keep your vehicle and don’t need much help doing so. Chapter 13 provides much more help.

Chapter 7 is quick. It’s usually best when it discharges most of your debts. Chapter 13 gives you time to address debts Chapter 7 doesn’t.

Can you solve your debt problems by settling, consolidating, or just not paying the debts? What are the advantages/disadvantages of each?

To make this decision well, accept that you need help, become well-informed about your options, then with good counsel make the best choice.

Your bankruptcy case will make much more sense if you know the roles of the people involved, starting with debtor, creditors, and clerk.

The bankruptcy options are contained in Chapters 7, 9, 11, 12, and 13 of the U.S. Bankruptcy Code.

When you file a bankruptcy case, what exactly allows you to legally stop paying creditors? What do they get in return?

If you bought your home within the last 39 months or so, federal law may limit the amount of state-law homestead exemption you can use.