Bankruptcy is the process you have to go through to begin again. The first and important item is to rebuild you credit rating. It is necessary to know how long your bankruptcy will appear on your credit report. The bankruptcy will be on your credit report for about 10 years. Although this sounds bad, it only takes about eighteen months of on time payments to your creditors to re-establish your credit. Just remember, it is possible to get good credit ratings after a bankr

Just about everyone who gets a little behind on their bills will get a friendly reminder call from a creditor. But once in awhile, those calls turn out to be not so friendly. While there are certain laws to protect the consumer from harassing calls at home and at work, not every debt collector plays by the rules. They are willing to try to browbeat, threaten and take whatever steps they deem necessary to collect money and some actually believe they are doing the right thing w

Finding a bankruptcy attorney who is well versed in the "Bankruptcy Rules" and experienced in the bankruptcy process is essential to the handling of your case. The procedural aspects of the bankruptcy process are governed by the Federal Rules of Bankruptcy Procedure (often called the "Bankruptcy Rules") and local rules of each bankruptcy court. The Bankruptcy Rules contain a set of official forms for use in bankruptcy cases. The Bankruptcy Code and Bankruptcy Rules (and local

While bankruptcy is sometimes the ideal solution for individuals who have buried themselves under excessive debt, it isn’t the answer to all debt problems. Unfortunately, not all debts can be completely erased by a bankruptcy - and in some cases, the debts cannot even be reduced or placed in a repayment plan under a Chapter 13 bankruptcy. If you’re struggling with excessive debt from student loans, child support or alimony - you probably are going to be disappointed to find t