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Green Bay Personal Injury and Bankruptcy Blog

Life after bankruptcy: strategies for beginners

Bankruptcy is something they do not teach you in school. It can feel like uncharted territory. After your bankruptcy is final, your emotions may run the gamut. At first, you felt great to be free from former debts and see the slate clean.    

You probably survived on adrenaline during the bankruptcy process, but now that it is over, bewilderment sets in. You could cycle from relief to anxiety several times a week, every day or even twice an hour. Now what?

Comparing Chapter 7 and Chapter 13 bankruptcy

If you are considering filing for bankruptcy, you may be wondering about your options. In Wisconsin, Chapter 7 and Chapter 13 filings may each provide a solution.

These two approaches each have key distinguishing factors. What will work best for you depends on your particular circumstances and goals.

Bankruptcy: To file or not to file?

When you realize that you might not be able to pay debts on time or in full, you might find yourself feeling anxious, frustrated and confused. Filing for bankruptcy in the Green Bay area might seem like the right solution, but it is not ideal for everyone. 

It is important for you to take time to assess your situation and consider the following bankruptcy alternatives, so you can resolve your financial challenges in the most beneficial way possible. 

What can I do if I believe a creditor is harassing me?

You live a modest lifestyle in the Green Bay area and are current on most of your bills. However, you have a few bones in your closet that have some creditors calling you nonstop. Though you might not dispute ownership of those debts, you do not believe you should have to pay them. Regardless of your reasons, you should not have to live in fear of creditors calling your job or bombarding your email and physical mailbox with threats if they do not receive payment. 

Some collection agencies and bill collectors ignore the law and use illegal scare tactics to get people to pay them. Regardless of your intentions with those delinquent debts, learn how to put an end to creditor harassment

By the numbers — preparing for Chapter 7 bankruptcy

You should go into Chapter 7 bankruptcy with your eyes wide open, which means plenty of organization and preparation.

Make sure you understand what your bankruptcy requires. When the time comes for you to file, you will be glad you took charge. Here are five steps to follow that will get you ready for Chapter 7 bankruptcy.

Will your fiance's bankruptcy affect your credit after marriage?

Your wedding date is drawing near, but you have one niggling concern: Your fiancé is planning to declare bankruptcy, and you wonder if this is going to affect your good credit standing.

After the wedding, you want to purchase a home together, but given the bankruptcy, is sharing assets a good idea?

Understanding medical debt and bankruptcy

Medical bills are notoriously expensive and difficult to pay off. One health incident could cost thousands and thousands of dollars, and this is true even for people who have insurance. With the potential of such expenses looming, it may seem like your worst nightmare when that possibility becomes reality.

You are hardly alone, however, when it comes to facing large debts that are the result of medical expenses. According to CNBC, in fact, medical bills are the leading cause of bankruptcies in the United States. There are a few things everybody seeking relief from such debt should be aware of. If you are considering medical bankruptcy, the following three facts are important to take into consideration.

Have you considered Chapter 128 as a debt relief option?

When your debts begin to control your life, you realize something must be done to turn the problem around. Many people contemplate bankruptcy, but that may not be the solution for you.

Wisconsin offers an alternative in the form of Chapter 128. This is a debt consolidation plan that you may find suits your needs and your circumstances better than bankruptcy.