To be in financial difficulty is something most of us would prefer not to see coming our way. Most of the time we are so complacent, or we stick to a period of denial that things have changed. This is especially true when the financial difficulty that we face is an isolated case affecting only [...]
There are many chapter 13 bankruptcy rules that you will need to know about if you are considering filing. Of course the first piece of bankruptcy information you need to know is which chapter to file. Chapter 7 (liquidation) bankruptcy is a full “pardon” of all debts and is considered the grandaddy of all bankruptcies. [...]
If you are thinking about filing bankruptcy, you must know how to declare bankruptcy. Before you can file either Chapter 7 or 13, you must be able to pass under what is called a “means test”. The means test identifies which people have the financial capacity to continue to pay a significant portion of their [...]
A bankruptcy filing should only be considered as a last resort measure. If you have exhausted all other possibilities, your minimum payments are no longer within your means and you are already defaulted in a few payments or if you have lost your income you are no longer able to repay your debts, then it [...]
We are a midlands based debt advice service. We give free debt advice to those in debt across the Midlands and the UK. If you have a debt problem which originates here we can help you. We can make personal visits to those who live in Stoke, Coventry and Birmingham, although very few of our [...]
We are a midlands based debt advice service. We give free debt advice to those in debt across the Midlands and the UK. If you have a debt problem which originates here we can help you. We can make personal visits to those who live in Nottingham, Derby and Leicester, although very few of our [...]