What Is a 722 Redemption?

One of the worries that people have when they are filing for a Chapter 13 or Chapter 7 bankruptcy is losing their car. In fact, fear of losing their car is one of the biggest things that holds people back from filing for bankruptcy.

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How to File for Bankruptcy with No Money?

Anyone who has ever done a Google search for “how to file for bankruptcy with no money” has no doubt seen the ads offering so-called free bankruptcy filings. As with most things, these are too good to be true.

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How Bankruptcy can Help Your Credit

To understand just how bankruptcy can help with your credit, first you need to understand how long certain items stay on your credit report. For entries such as late payments, charge-offs, collections, tax liens, judgments, and foreclosures the magic number is seven. These items stay on your report a full seven years. Another troublesome thing is that “hard inquiries” remain visible for two years and can cause your score to dip for as much as six months.

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Bankruptcy vs. Paying Off Debt

There are people who think that bankruptcy is the worst fate ever. It’s not, and nobody gets to the point where they’re considering filing for bankruptcy without a lot of lost sleep.

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Do You Need an Attorney to File Bankruptcy?

Now, as to the DIY “kits” – usually forms and a bare-bones instruction book – and software that’s out there purporting to be an alternative to filing your bankruptcy. Even if your robolawyer is this guy, I don’t think it’s going to work.

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The Zero Down Bankruptcy: Why I Do It and Nobody Else Does

This is why I started to offer something called a Zero Down Bankruptcy to my clients. I got into this profession because I wanted to help people, and this helps my clients to have a successful bankruptcy, pay their fees on a set schedule, and to get relief from the debts that are grinding them down.

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