By Robin Leonard
ISBN-10: 087337973X
ISBN-13: 9780873379731
Attempting to make a decision even if to dossier for financial disaster? This e-book from consumer-debt specialist Robin Leonard addresses questions and issues which may be retaining you up into the wee hours of evening, together with: *Will I wipe out all of my accounts? *Will I lose my condominium? *Will I lose my residence? *Can I continue my vehicle and different estate? *Can I hold my charge cards? *Will I lose my task? *Will I lose custody of my youngsters? *Will i am going to penal complex? *Will anyone from the financial ruin courtroom stopover at my domestic or enterprise? *Can I movement? *Can i alter jobs? *Can i am getting divorced? *Will my associates and acquaintances discover? *Is it difficult to dossier? *Will I have the capacity to get credits sooner or later? *Will I have the ability to lease an residence sooner or later? *Is financial disaster even important? With those compassionate solutions in hand, you could make the simplest judgements in your monetary destiny. The 2d variation is totally revised to mirror the most recent financial ruin ideas, together with adjustments on your state's exemption legislation that allow you to shield your private home.
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Additional info for Bankruptcy: Is It the Right Solution to Your Debt Problems? Second Edition
Sample text
Bankruptcy and Joint Debtors ................................................................................ 3/13 1. Cosigners and Guarantors ............................................................................... 3/13 2. Spouse .............................................................................................................. 3/15 3. Business Partners ............................................................................................. 3/17 3/2 Bankruptcy: Is It the Right Solution to Your Debt Problems?
If possible, it’s best for you to discharge the debt and then reimburse the cosigner for any liability. This approach gives you more flexibility regarding repayment than you’d have if you defaulted on your payments to the regular creditor under a reaffirmation agreement. Also, it’s possible that the creditor won’t proceed against the cosigner, for a variety of reasons. And finally, it’s possible that the cosigner will also decide to file bankruptcy. If you file for Chapter 13 bankruptcy, you can include the cosigned or guaranteed debt as part of your repayment plan, and your joint debtor will not be pursued during your bankruptcy case—which typically will last at least three years.
If you don’t, you will be entitled to discharge whatever balance remains when your case is over, assuming the debt is otherwise dischargeable in a Chapter 13 bankruptcy. But in that situation, the creditor can go after the joint debtor for the balance. Will I Wipe Out My Debts? 3/15 BANKRUPTCY AND PREFERENCES If you file for Chapter 7 bankruptcy and have a joint debtor who is a relative, close friend, or business associate, it’s possible that the joint debtor could be liable to the bankruptcy trustee for what you pay the creditor.