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  • What Are the Most Common Questions People Ask About Bankruptcy?

    What Are the Most Common Questions People Ask About Bankruptcy?

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    When you are left with no other option apart from bankruptcy, people are worried sick because of the myths surrounding bankruptcy. Since most of these myths are bogus, having no relation to the truth, it is important that you discuss this issue with people who are well versed with the facts. Discussing your worst fears about bankruptcy with able lawyers of Dallas based bankruptcy law firm Recovery Law Group, can open your eyes to the fact that bankruptcy can actually do you more good than you ever imagined.

    Here are some questions that can settle your doubts:

    1. What to do if I cannot afford to file for bankruptcy?

    You are expected to pay the bankruptcy filing fee when you file your petition in court. The Chapter 7 bankruptcy filing fees is $306 and that for Chapter 13 bankruptcy is $281. Generally, people who file for bankruptcy have run out of other options. Paying the filing fees might not be possible for them. The court offers a grace period of 120 days to deposit the fees. If you cannot manage it to pay this amount, you can ask for a waiver, which will exempt you from paying any fees.

    1. Can my employer find out about my bankruptcy petition?

    Bankruptcy is mentioned in court records and your credit report. If your employer accesses your credit report they can come to know about your bankruptcy. Another way through which they can know about your bankruptcy is if you were facing wage garnishment and it ceased due to automatic stay provision of bankruptcy. Otherwise, there is no way of them becoming aware of your bankruptcy filing. You should be relieved as you cannot be discriminated based on your bankruptcy, thanks to laws which prevent so.

    1. Will my credit be ruined forever?

    Bankruptcy is mentioned on your credit report for a duration of 7-10 years depending on which bankruptcy chapter you filed in. This makes getting credit a bit difficult. However, it is bad credit, thanks to missed payments and high debt balance, that harms your credit more than bankruptcy. In fact, bankruptcy wipes all bad credit and shows only any good credits you have, which results in a better credit score.

    1. Can I protect my funds?

    State and federal government offer you various exemptions through which you can protect your funds. Generally, when you file for bankruptcy, unemployment benefits, retirement funds, disability or survivor benefits and insurance policies are exempted from being used to pay your creditors.

    In case you have any doubts regarding bankruptcy, you can call 888-297-6023 to discuss them with experienced bankruptcy lawyers.


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    • Best Ways to Cope with Bankruptcy

      Best Ways to Cope with Bankruptcy

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      Bankruptcy is a roller coaster ride. On one hand, you get rid of debts, which makes you feel happy and in control of your life; while on the other hand, your credit report gets the stamp of bankruptcy which remains for 7-10 years rendering getting loan extremely difficult. This can be a testing time, say experienced lawyers of Los Angeles based bankruptcy law firm Recovery Law Group. You can experience a variety of contradicting emotions when you choose to get rid of your debts through bankruptcy. Here’s how you can cope with them:

      • Discuss the issue with people who understand

      Many people keep their emotions bottled up which is not healthy at all. Filing for bankruptcy is a big decision which is bound to have long term effects on your life. It is therefore important that you discuss what you are going through with people who will lend a listening ear and a helping hand. Discussing things with friends might be cathartic and might even let you get over the huge emotional issue.

      • Indulge in some personal time

      Discussing how your finances had taken a turn for the worse with various unfamiliar people like a financial advisor, bankruptcy lawyer, trustee, etc. can be quite overwhelming. It is therefore not unnatural to wish to get away from all this. Once you are sure that the case is being handled by the best people, you should take some time off and give yourself the necessary rest, so that you can heal physically, mentally and emotionally.

      • Cry, if that helps

      Sometimes, crying your heart out is exactly the thing that will help you heal. Letting your emotions take the better of you might not be a luxury that you can afford, but then bankruptcy is also not an everyday occurrence. If crying helps you overcome the pressure of bankruptcy, cry.

      • Don’t forget the good points

      With numerous exemptions in place, you can protect most of your essential belongings. You can keep your home, vehicle, modest household belongings, retirement and pension accounts as well as tools of the trade. Basically, you should be thankful that you have everything to restart your life without the burden of debt.

      A successful bankruptcy discharge can be the best thing to happen to you. This can take place when you have experienced lawyers Dallas handling your case. If you haven’t hired one, you can call at 888-297-6023 to schedule an appointment.


        *Are you more than 60 days past due on your mortgage?

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        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

         

      • Warning Signs That Suggest You Should Consider Filing for Bankruptcy

        Warning Signs That Suggest You Should Consider Filing for Bankruptcy

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        For an individual or a business, filing for bankruptcy is probably a stigma that will ruin their credit history and personal name for a long time to come. However, if you could keep your emotions in check, Dallas based bankruptcy law firm Recovery Law Group, says, bankruptcy is probably the wisest decision one could make to take control of struggling finances. It is often difficult to be objective when it comes to the personal economy, therefore, here are a few warning signs that you should consult professionals for seeking advice regarding bankruptcy:

        1. You are finding it difficult to get out of debt

        Unable to pay debts may result in you borrowing money, which will further add to your debts. It is a never-ending vicious cycle which keeps on adding the interest rate. If you find the situation somewhat familiar, it is time for you to seek the guidance of a bankruptcy lawyer. Expert advice is available from experienced bankruptcy lawyers at 888-297-6023 regarding how to use bankruptcy to make a fresh financial start.

        1. Retirement funds are being reduced

        Many people think that using their retirement fund to get rid of debts is a way to avoid bankruptcy; well, they couldn’t be more wrong! Digging into your retirement funds puts your future in the dark while not exactly lifting your present from the darkness of debt. Bankruptcy lawyers will enlighten you to the fact that most unsecured debts get discharged during bankruptcy while your retirement accounts are exempted from being used to pay your creditors. Thus, you are harming your present and future by using retirement funds for fending off creditors unsuccessfully.

        1. A lawsuit is not far away

        If you are unable to pay your loans, creditors might be forced to file a lawsuit against you. With numerous problems, this is something that you cannot afford. Filing for bankruptcy will not only put a hold to such a lawsuit but also other collection actions like threatening phone calls, repossession, foreclosure, and wage garnishment.

        1. Your family is at risk

        Sometimes, creditors can go after other members of your family, like spouse or parents. If this is something that you have experienced, it is time to consult with lawyers about which chapter of bankruptcy would be ideal in your case.


          *Are you more than 60 days past due on your mortgage?

          *Do you own a home?

          Are you currently working?

          By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

        • Bankruptcy Options Available for Small Business Owners

          Bankruptcy Options Available for Small Business Owners

          Call: 888-297-6203

          Not just individuals, but small business owners can also face issues when it comes to handling finances. In case there are financial issues plaguing a business which cannot be managed easily, the owner might have to take the hardest decision ever; filing for bankruptcy to get relief from debt. If you are left with no other option except filing for bankruptcy, it is important that you hire the services of experienced lawyers to handle your case. You can seek consultation with bankruptcy attorneys by calling 888-297-6023.

          Lawyers of Dallas based bankruptcy law firm Recovery Law Group, elaborate that there are a number of bankruptcy chapters under which small business owners can file for bankruptcy. The bankruptcy criteria differ in all three – Chapter 7, Chapter 11 and Chapter 13. While Chapter 7 is the most common one for small businesses, the requirement for qualification is stringent in this case. Any non-exempt property is sold off to pay creditors and the remaining dues are discharged after bankruptcy.

          Chapter 11 bankruptcy works by re-organisation of debts in such a manner that you do not have to shut down your business. This bankruptcy is best used for small corporations, partnerships and even for sole proprietors of business. Though Chapter 13 bankruptcy Dallas relief is for individuals it can also be used by sole proprietors to get debt relief. Chapter 12 bankruptcy is available for families of farmers and fishermen to get rid of excessive amount of debt.


            *Are you more than 60 days past due on your mortgage?

            *Do you own a home?

            Are you currently working?

            By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

          • Forms to Fill When Filing for Bankruptcy

            Forms to Fill When Filing for Bankruptcy

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            Financial instability can be quite frustrating. However, once you have come to realise that bankruptcy is the best way out of this problem, you can direct your energies towards getting your debts discharged. You will be surprised to know that there are numerous forms that need to be filled if you wish to seek a discharge of your debts. Additionally, say lawyers of Dallas based bankruptcy law firm Recovery Law Group, since bankruptcy laws differ from state to state, it is important to consider the state requirements while filing bankruptcy papers. Moreover, since bankruptcy also involves federal laws which also vary along with the state, it is important to keep them in mind too while filling bankruptcy papers.

            Some documents that are generally accompanying the bankruptcy papers are your financial statements. Apart from the details of your finances, you are also expected to provide a list of your top 20 unsecured creditors as well as a list of your equity security holders. Incomplete forms or forms with incorrect information can cause your bankruptcy case to be dismissed. Thus, it becomes pertinent that you hire qualified bankruptcy attorney to not just file your bankruptcy papers but also head your case.

            With so many forms to fill, it is confusing for a layman. You are not aware which of the forms are essential and which aren’t. Also, answering questions properly on the forms can be daunting, especially if your bankruptcy discharge depends on them. Moreover, certain forms are to be filled according to your chosen bankruptcy chapter. Only a bankruptcy attorney with enough experience can guide you with respect to the bankruptcy chapter that will be best for you. If you are looking for experienced bankruptcy lawyers Dallas, you can call 888-297-6023 to discuss your case with the best lawyers.


              *Are you more than 60 days past due on your mortgage?

              *Do you own a home?

              Are you currently working?

              By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

            • Can Creditor’s Use the Spouse’s Bank Account to Recover Money in Bankruptcy?

              Can Creditor’s Use the Spouse’s Bank Account to Recover Money in Bankruptcy?

              Call: 888-297-6203

              When you file for bankruptcy, anything and everything you own becomes part of the bankruptcy estate. However, filing for bankruptcy often is a cause of concern for people as they are worried that the creditors can come after their spouse’s bank accounts. Dallas based bankruptcy law firm Recovery Law Group says, that the best person to seek advice on such matters is an expert bankruptcy lawyer. You can call 888-297-6023 to schedule an appointment for a consultation with qualified attorneys. Bankruptcy attorneys are aware of the laws and whether your bankruptcy can affect your spouse or not.

              Unless the bank accounts are joint, they cannot be included in the bankruptcy estate. Additionally, you also need to be aware of the exemptions entitled to bankruptcy filers within the state which can help protect their assets. Since all your personal property becomes part of the bankruptcy estate, any bank account jointly owned by you and your spouse might be part of the bankruptcy estate. Bank account in the spouse’s name can remain untouched by creditors only if the funds in it are considered separate from your property.

              In order to protect the funds, present in your spouse’s account, you will need to prove that you did not contribute to those funds. If your spouse had a separate account prior to your marriage, the account is likely to remain untouched by creditors during bankruptcy. You can stop worrying about the creditors once you file for bankruptcy Dallas as the automatic stay provision puts an end to the collection actions till bankruptcy has concluded.


                *Are you more than 60 days past due on your mortgage?

                *Do you own a home?

                Are you currently working?

                By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

              • Bankruptcy History in the U.S

                Bankruptcy History in the U.S

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                In the early 20th century, bankruptcy was a rare phenomenon, with just 0.15% in 1000 people choosing it to get rid of debt. However, over the past 100 years, people seeking financial protection through bankruptcy have increased dramatically. Over a period, through the 60s and 80s, an increase was observed in bankruptcy filings in the U.S. However, as per statistics available, between 1980-2000 an increase was seen with up to 7.6% per 1000 per year. Contrary to this, a decrease in this percentage was observed post-2004 with 5.3% per 1000 individuals.

                However, Dallas based bankruptcy law firm Recovery Law Group, informs that the data is a national average without taking specific filings into account. Breaking the information state-wise you get to know that the maximum bankruptcy filing rate is in the state of Tennessee; with 10 people per 1000 seeking bankruptcy protection. On the other hand, Massachusetts has a mere average of 2.8 per 1000 bankruptcy filings. To understand the economic condition of the country, it is important that you break things up into relevant smaller pieces and observe the bigger picture. In case you are considering bankruptcy as an option to relieve yourself of your huge debts, you can call 888-297-6023 to schedule an appointment with the best bankruptcy lawyers Dallas.


                  *Are you more than 60 days past due on your mortgage?

                  *Do you own a home?

                  Are you currently working?

                  By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                • Exemptions in Bankruptcy

                  Exemptions in Bankruptcy

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                  Bankruptcy is a legal way to get rid of huge amounts of debts that have been bogging you down. Since the purpose of the procedure is to provide the filer with a fresh economic start, certain exemptions are given by the state and federal government. As per Dallas based bankruptcy law firm Recovery Law Group, these exemptions include home, vehicle, personal belongings, retirement plans, tools of the trade, etc. The unsecured creditors cannot stake a claim on this exempted property. The amount of exemption varies from state to state. These exemptions allow a bankruptcy filer some base to start their second financial innings.

                  According to the bankruptcy code, uniform exemptions are provided to bankruptcy filers; however, states can differ in the exemption amount. Sometimes, the exemption amount varies immensely in the state. Since you can choose between state and federal exemptions, it is vital to consult an experienced bankruptcy lawyer to help make the best choice for you. You can call 888-297-6023 to consult with expert bankruptcy attorneys.

                  When any individual files for bankruptcy, they can claim exemptions to protect their assets. In the case of Chapter 7 bankruptcy, debtors can keep exempt property during the period of their bankruptcy proceedings and after it also. Corporations who choose to file for Chapter 7 bankruptcy cannot use the exemptions and thus end up with incomplete liquidation.

                  When debtors file under Chapter 13, the value of their exempted property is deducted from the estate liquidation amount. The value of the non-exempt property is added to the disposable income to calculate the amount for a repayment plan. If you claim all exemptions, you end up paying less money to your creditors. Any property whose value is less than or equal to the exemption amount can be retained by you during the bankruptcy process.

                  What happens to the non-exempt property?

                  Any property which is not exempted under the federal or state exemptions (one of which was chosen by the bankruptcy filer) is handed over to the bankruptcy trustee. The trustee then ensures that the property is sold, and the proceeds distributed among the creditors. Most individuals filing under Chapter 7 bankruptcy Dallas, end up protecting most of their assets from going under the hammer. In the case of Chapter 13, you might be able to protect non-exempt property too if you pay for an amount equivalent to it, to your creditors.

                  It is important that you find out which property you can keep while filing for bankruptcy before going ahead with the procedure. A qualified bankruptcy attorney can help you understand the various exemptions provided.


                    *Are you more than 60 days past due on your mortgage?

                    *Do you own a home?

                    Are you currently working?

                    By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                  • You Can Also Avoid Bankruptcy

                    You Can Also Avoid Bankruptcy

                    Call: 888-297-6203

                    Nobody likes to admit that they have got their finances messed up. Bankruptcy is advertising about this fact from the rooftop! Frankly, if possible, nobody would like to file for bankruptcy, however, there is no denying that bankruptcy is probably the best way to get rid of the huge burden of debt you have been carrying for a long time. Even some of the best people have ended up filing for bankruptcy when there was no way out for them. According to Dallas based bankruptcy law firm Recovery Law Group lawyers, sometimes, people can get out of bankruptcy in a better condition than before.

                    When you file for bankruptcy you are declaring to the court your inability to pay off your creditors. Bankruptcy can remove most of your debts so that you get a fresh financial start. Depending on the chapter of bankruptcy, bankruptcy remains on your credit report for a duration of 7 or 10 years. All collection actions initiated by creditors such as foreclosure, repossession, or wage garnishment as well as any legal action is put on hold when you file for bankruptcy. However, bankruptcy will not rid all your debts. Certain debts like child support, alimony, student loan debt, IRS debts, and government fines are not erased in bankruptcy.

                    How to dodge bankruptcy?

                    With a few measured steps, you can avoid bankruptcy. Here are some points to take care of if you don’t want to file for bankruptcy:

                    1. Ensure that your necessities are catered for. These include food, shelter, utilities, clothing, and If you are falling behind on payments, make sure that you don’t neglect your mortgage payments or rent. Food and utilities need to be paid on time too.
                    2. Many people end up accumulating a lot of possessions over a period, which they might not need later. Sell anything that you don’t need and rarely use and use the money to pay your due bills.
                    3. If you wish to avoid bankruptcy, you need to ensure that you are living on a budget. Avoid any unnecessary expenses including dining out, expensive gifts, costly vacations, etc.
                    4. If you are short on money, getting a second job to supplement your income is a good way to avoid bankruptcy. However, ensure that the income generated from the second job is used to pay your debts.
                    5. Consult professionals for guidance on monetary issues. Financial coaches can guide you towards better management of your finances without taking advantage of your situation.

                    In case you are looking for experienced bankruptcy lawyers Dallas, you can call 888-297-6023 to speak with experts.


                      *Are you more than 60 days past due on your mortgage?

                      *Do you own a home?

                      Are you currently working?

                      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                    • Can Bankruptcy Be Removed from Your Credit Report?

                      Can Bankruptcy Be Removed from Your Credit Report?

                      Call: 888-297-6203

                      People having trouble in managing finances often resort to bankruptcy. It is the last solution to deal with excessive debt which is quite difficult to pay back. Despite getting rid of a huge amount of debt, bankruptcy can have a negative effect on your credit rating. People find it difficult to get a loan, credit card, and even job once they have filed for bankruptcy. According to Dallas based bankruptcy law firm Recovery Law Group lawyers, bankruptcy remains on your credit report for a period of seven to ten years (from the date of filing) depending on the chapter of bankruptcy filed.

                      • In the case of Chapter 7 bankruptcy Dallas, since no debts are repaid, the bankruptcy remains on records for 10 years.
                      • In Chapter 13 bankruptcy, some amount of debt is repaid over a period of 3-5 years and thus, this type of bankruptcy is deleted after seven years from the filing
                      • All accounts included in bankruptcy chapters remain on credit report for seven years. Accounts that were delinquent prior to bankruptcy filing will be deleted after seven years from the original delinquency date, while those that were current at the time of bankruptcy filing will be removed, seven years from the filing

                      It is therefore important for people to regularly check their credit report for any discrepancy. Any account included in the bankruptcy should automatically be deleted after the specified time frame. In case this is not the case, you can ask the credit reporting company to rectify the mistake. Hiring an adept bankruptcy lawyer can be a huge asset for your case. If you wish to consult with one, you can call 888-297-6023.


                        *Are you more than 60 days past due on your mortgage?

                        *Do you own a home?

                        Are you currently working?

                        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.