Chapter 1Introduction
Chapter 2Don’t be embarrassed, nervous or afraid
Chapter 3What causes people to need Banruptcy Relief
Chapter 4What is the Procedure to File Bankruptcy?
Chapter 5When should I file bankruptcy?
Chapter 6What do I lose if I file bankruptcy?
Chapter 7What happens to my credit score if I file bankruptcy?
Chapter 8What can bankruptcy do for you?
Chapter 9What Does Bankruptcy Cost?
Chapter 10What is the Real Price Difference Between Bankruptcy Lawyers?
Chapter 11If I am Married, Can I File a Bankruptcy Without my Husband or Wife?
Chapter 12Will My Employer Find Out if I File Bankruptcy?
Chapter 13Does Chapter 7 or 13 Bankruptcy “Ruin My Credit?”
Chapter 14If I File Bankruptcy, Can I Leave Bills or Property or Transfers Off my Bankruptcy Petition?
Chapter 15Can I File Bankruptcy on Bills in Someone Else’s Name?
Chapter 16How Does Filing Bankruptcy Affect My Credit Union?
Chapter 17Can I file bankruptcy if I have co-signers?
Chapter 18What About My Car in Bankruptcy?
Chapter 19What Happens to My House in Bankruptcy?
Chapter 20When Will Creditors Stop Bothering Me?
Chapter 21Cross-Collateralization Agreements in Bankruptcy
Chapter 22Bankruptcy and Joint Accounts with Parents
Chapter 23When do I stop paying my creditors?
Chapter 24Gas, cable, electric and phone bill
Chapter 25Bankruptcy and Divorce, Alimony, & Child Support
Chapter 26What Bankruptcy won't solve
Chapter 27Chapter 13 Debt repayment Plans
Chapter 28Will I be able to get credit again?
Chapter 29Bill Consolidation Loans
Chapter 30Bill Consolidation Scams
Chapter 31Wage Assignments, Deductions and Levies
Chapter 32Student Loans
Chapter 33Can I get rid of Taxes
Chapter 34NSF Checks, Traffic & Parking Tickets
Chapter 35Surrendering Real Estate & Time Shares
Chapter 36Business Bankruptcy
Chapter 37Professional Persons
Chapter 38Do you ever "Not Get" a Discharge?
Chapter 39File bankruptcy for the debts of my deceased spouse or child?
Why would anyone be happy about having to file a bankruptcy? The answer is, you're not happy because you have to, but because you can. If there were no bankruptcy laws, you would have no way out of financial trouble.
The bankruptcy laws, and how they can help you, are not known to the general public. When a person finds out that they can get out of debt, and start fresh, without giving up any possessions, they are generally very happy. No one files a bankruptcy case unless they have to. If you have the money to pay your bills, pay them! If you don't, read this book, contact a bankruptcy lawyer, get the proper advice, and have a happy bankruptcy! It is possible.
Why would you be happier if you kept your house, kept your vehicle, kept your pension, kept your household furnishings, and had no debt, and could save money each month for retirement? Why wouldn't you?
Realize that if you have $20,000.00 in credit card debt at 18%, and just make the minimum payments at 2.5% of the balance, never using the card again, it will take you 37 years to pay it off. Go to our website, www.infotapes.com, and follow the links to msn.money.com, and bankrate.com. You will find useful financial calculators on those sites. Plug in your debt, and see that once you can pay only minimums, you have a life sentence of debt.
Why should you have a life sentence of debt? Be happy! Don't worry! If you can only pay minimums, collectors are calling, you have to charge necessities, you may be better off filing Chapter 7 and getting a discharge of that debt. You might also file Chapter 13, which is a no-interest debt repayment. You could take that $500 a month and repay it in full without interest over less than 48 months.
