When an individual has failed to pay his or her debts one of the “last resort” collection tools a creditor can use is to request that the court authorize a wage garnishment. This is also a tool commonly used by the government to collect past due taxes. A wage garnishment is a legal process through…

One of the most common concerns of homeowners who are considering filing for bankruptcy is whether or not they will lose their home if they file for bankruptcy. In many cases, you will not have to give up your home simply because you have found yourself in financial trouble, and have chosen to file for…

If you are struggling with debts and believe that you will not be able to repay your creditors, it may be time to consider bankruptcy. Through Chapter 7 or Chapter 13, you may be able to finally secure the financial freedom for which you have been searching. Bankruptcy can be confusing, but with the assistance…

Bankruptcy often enables people to discharge much of their debt once the process is completed. Both Chapter 7 and Chapter 13 allow for the cancellation of many remaining debts, although the processes used are different. Chapter 7 uses the liquidation of nonexempt assets to repay creditors, and once the filing is complete, the individual will…

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