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The first two parts of this series explored a number of reasons to consider filing Chapter 13 instead of Chapter 7. Here are a few more to ponder: Getting straight with the IRS Some taxes are non-dischargeable in bankruptcy. So instead of the fresh start they had hoped for post-bankruptcy, Chapter 7 debtors are often […]
Last week, I wrote Part One of this article, where I explained some of the reasons that I find myself recommending Chapter 13 more often than Chapter 7 these days. Here are some more: Florida bankruptcy exemptions are woefully inadequate Although bankruptcy is governed by federal law, bankruptcy exemptions vary from state to state. Exemptions […]
Five years ago, we only filed one Chapter 13 for every four or five Chapter 7’s. These days, I find myself recommending Chapter 13 far more often than Chapter 7. Why the turnaround? There are many reasons. Here are some of them: Assets It has never been harder to protect assets in Chapter 7 in […]
This is one of the questions I encounter most frequently during my consultations with prospective new clients. While some people realize that Chapter 13 involves a payment plan, most don’t fully understand how either the commitment period or the monthly repayment figure is calculated. Many believe that the repayment is based on how much debt […]