Chapter 7 vs Chapter 13: Which Option Is Best for Me?

By now, you're probably already aware of the benefits of bankruptcy. But which chapter should you file? What are the pros and cons of Chapter 7 vs Chapter 13? The decision to file bankruptcy is a weighty one. A Middletown OH bankruptcy attorney can help you fully understand your options and determine which chapter best suits your circumstances. What Is Chapter…

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How Often Can You File Bankruptcy?

If you’ve filed bankruptcy before, can you file again? How often can you file bankruptcy? The answer depends on a variety of factors, including what type of bankruptcy you filed in the past and whether or not it was dismissed. What Are the Limitations on Filing Bankruptcy? Although there are no limits on how many times you can file bankruptcy…

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Can One Spouse File Bankruptcy Without the Other?

Thousands of married couples file for bankruptcy each year. But if you and your partner are struggling with debt, you likely have many questions. How will bankruptcy affect my spouse? Can one spouse file bankruptcy without the other? The short answer is yes, you can file bankruptcy without your spouse. But before you make that decision, it's important to understand your filing options,…

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What Happens When You File Bankruptcy?

The word bankruptcy used to strike fear, desperation, and failure in the hearts of many. But in today's changing economic climate, it's not unusual for hardworking Americans to find themselves in financial situations that are nearly impossible to get out of. And struggling families must do what they can to provide for their families. Sometimes that means taking on debt. When that debt reaches…

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How to Rebuild Credit After Bankruptcy in 4 Easy Steps

Filing for bankruptcy doesn't mean that your financial life is over. In fact, it can provide a fresh start and allow you to build a better financial future than you've ever had. Learning how to rebuild credit after bankruptcy can help you take steps you need to avoid similar problems in the future. Preparing for those future problems will help ensure that…

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Filing Bankruptcy Without an Attorney: Is It a Good Idea?

Many people struggling with debt are tempted to file bankruptcy on their own. But while filing bankruptcy without an attorney is possible, it isn't easy and could lead to costly mistakes. Here are some very important things you need to consider before going ahead with your bankruptcy filing. To learn more, contact the Andrade Law Office, LLC today. Do You Understand All Your Options? When…

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How Can the Bankruptcy Automatic Stay Protect You From Creditors?

If you're in danger of immediate legal action such as a foreclosure or wage garnishment, bankruptcy can provide much-needed relief, either temporarily or permanently, through the automatic stay. A stay is a court order that takes immediate effect when you file bankruptcy. It prevents creditors, collection agencies, or civil lawsuits from taking action against you. But what exactly can the…

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When to File Chapter 7 Bankruptcy

If you need assistance in deciding when to file Chapter 7 bankruptcy, we can help you. We understand bankruptcy procedures and we know this decision affects more than just your finances. To learn more about when to file Chapter 7 bankruptcy and for help in making an informed decision, contact our West Chester, Ohio Bankruptcy attorney at the Andrade Law Office LLC.  What Is Chapter 7…

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What to Expect at Your Bankruptcy Meeting of Creditors (341 Hearing)

The meeting of creditors, also called the 341 hearing, is where you meet with your bankruptcy trustee before your court appearance. This 5-to-10-minute meeting is required by section 341 of the Bankruptcy Code. To learn more about how to prepare for your 341 hearing, speak to a bankruptcy attorney at Andrade Law Offices. Who Must Attend the Meeting of Creditors? The meeting of creditors…

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Is Bankruptcy Right for Me?

When a monetary crisis strikes and you just can't find a why to pay your bills, bankruptcy may seem like the only way to make a fresh start. But because of the stigma many associate with bankruptcy, you may be wondering, "Is bankruptcy right for me?" The answer is, it depends on a myriad of factors, as well as your…

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