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Multiple Bankruptcy Filings: Can I File Bankruptcy Again?

Many individuals wrongly assume that they can only file for bankruptcy once. This is not true. Life events such as a job loss, divorce or unexpected medical expenses can cause you to fall behind on debt payments and leave you vulnerable to wage garnishment, vehicle repossession or foreclosure.

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What is the Difference Between Exempt and Non-Exempt Assets?

When filing a bankruptcy case, your assets or property will be classified as Exempt or Non-Exempt. In a Chapter 7 Bankruptcy case your non-exempt assets will sold or liquidated, and the proceeds distributed to your unsecured creditors.

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What to Expect when Filing a Chapter 7 Bankruptcy

If you are considering filing a Chapter 7 Bankruptcy, you are probably wondering what to expect during your case. The following is a brief roadmap of what to expect in a typical Chapter 7 Bankruptcy Case. No two cases are the same, so it is important to work with an attorney to understand what to expect in your case and how your case may differ from a typical case.

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Treatment of Mortgage Loans in Bankruptcy

If you are contemplating filing a bankruptcy, you probably want to know how a bankruptcy will affect your home. Can you keep it? Can you stop a foreclosure? Will you lose the equity you have built up over the years?

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How Does a Bankruptcy Affect Your Credit Score

Most clients are concerned about the effect a bankruptcy will have on their credit score. A bankruptcy can stay on your credit report for up to 10 years, but most of my clients have a better credit score about 1-2 years after their bankruptcy than before.

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Reaffirmation of Vehicle Loans in Chapter 7 Bankruptcy Cases

Individuals filing for Chapter 7 are generally concerned about keeping their vehicle, and for good reason: they need a vehicle to get to and from work. It is important to understand the risks associated with entering into a reaffirmation agreement and the effect on your bankruptcy discharge.

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