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February 2015 Archives

How does the discharge process work in Chapter 13 bankruptcy?

Your telephone rings. It's your credit card company trying to collect an overdue bill. Yesterday, it was the hospital. Tomorrow, it might be your mortgage company. What can a Massachusetts consumer like you do? If you want to take the financial bull by the horns, Chapter 13 bankruptcy may be one of your best options.

Can I be fired from my job for filing for bankruptcy?

For many Massachusetts residents, bankruptcy still has a stigma attached to it, even though it is becoming more and more popular as people look for ways to get rid of credit card debt. Hanging onto a job is important for those going through bankruptcy because they want to prevent future debt problems. But what happens if an employer catches wind of the fact that an employee filed for bankruptcy? Can a person be fired after filing for bankruptcy?

Reduce credit card debt with baby steps

Credit card debt is an issue that plagues many Massachusetts consumers. Many are still feeling the sting of their holiday spending. Others may be struggling with unemployment or other financial challenges. Whatever the situation, credit card debt can be overwhelming and even embarrassing to some people. Getting out of debt may seem impossible, but by taking baby steps, it can happen. The trick is to have patience, since it won't happen overnight.

Entering into a Chapter 7 reaffirmation agreement

After filing for bankruptcy, in some situations a debtor in Massachusetts may seek to "reaffirm" a particular debt. One reason for doing this is to retain a piece of secured property. For example, the debtor may choose to reaffirm the debt they have on their car in order to keep their car. What is a reaffirmation?