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Bankruptcy Blog


Ways to Blow Your Chance to Wipe Out Credit Card Debt

Jul 13, 2015 By: Mike Cibik

Somewhere in our recent past, the holiday season became the shopping season. Lots of people in financial trouble hang on through the holiday season before taking up bankruptcy as part of the New Year. (I haven’t seen many people give themselves a bankruptcy filing for Christmas, though, for many, it would be objectively the best…



Can I lose my engagement ring in bankruptcy?

Jul 13, 2015 By: Mike Cibik

Even men with debt problems fall in love, and when they do, many of them will come up with a way to give their beloved a nice engagement ring.



After Bankruptcy Filing, Beware of Phony Debt Collectors Who Threaten Arrest

Jul 13, 2015 By: Mike Cibik

Folks frequently come in to talk about bankruptcy and are very concerned that an arrest warrant may be issued as they haven’t paid their debts – either before filing bankruptcy or even after filing for bankruptcy. They have heard about phone calls or emails from debt collectors (or have even gotten those kind of threats)…



Can You Save Your IRA or 401(k) before Bankruptcy?

Jul 13, 2015 By: Mike Cibik

The title just about says it all. It’s a really sad thing to get a call from someone asking for bankruptcy who has already spent all their retirement funds trying to avoid bankruptcy. You can’t get it back. And if you still need bankruptcy, you still need bankruptcy. However, as many know, IRA’s and 401(k)…



Is The Trillion Dollar Student Loan Industry Exempt From Bankruptcy?

Jul 13, 2015 By: Mike Cibik

In 2010, the annual volume of new student loans reached 100 billion dollars. There is now more than a trillion dollars in student loan debt on the books and this type of debt is growing rapidly. A new economic crisis is about to emerge. Student loan debt cannot be discharged in bankruptcy except under the…



What Are The Biggest Tax Time Mistakes That Can Also Cost You in Bankruptcy?

Jul 08, 2015 By: Mike Cibik

There are a lot of mistakes you can make at tax time. One of the biggest-in fact, it is absolutely the biggest-is to fail to file your return on time. That particular mistake can also cost you if you are in bankruptcy, or if you need to file bankruptcy.


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