Full Description

Your Easy-to-Follow Action Plan for Financial Recovery

Fighting off creditors and trying to pay mountain-high bills can weigh anyone down. Stop living day-to-day and regain control of your finances once and for all. The Complete Chapter 7 Personal Bankruptcy Guide can help you put an end to the abusive tactics of collection agencies and guide you through filing your own bankruptcy. You deserve a new beginning and it starts right here.

Cease Creditor Calls
Discharge debts and stop creditors from future harassment.

Protect Your Home
Save your home from foreclosure and prevent liens and evictions.

Protect your Future
End garnishments and attachments while protecting your pensions and retirement plans.

Strengthen Your Finances
Discover ways to raise your credit score and prevent future bankruptcies.

Keep Your Car
Avoid repossessions and other losses of your personal property.

Build Good Credit
Get on the road to financial freedom by changing behaviors and managing your resources more effectively.

EVERYTHING You Need to File Your Own Bankruptcy

Table of Contents

Using Self-Help Law Books -
Introduction -
Section 1: Bankruptcy and the Legal System -
History and General Information
The Legal System
Bankruptcy Law and Procedure
Section 2: Lawyers -
Needing a Lawyer
Selecting a Lawyer
Working with a Lawyer
Firing Your Lawyer
Section 3: Avoiding Bankruptcy -
The Effects of Bankruptcy
Income and Expenses Worksheet
Property Worksheet
Debt Assessment
General Guidelines
Alternatives to Bankruptcy
Section 4: Preparing for Bankruptcy -
Basic Legal Requirements
Arranging Your Finances
Section 5: Gathering Information -
Income
Expenses
Property
Debts
Legal Research
Section 6: Chapter 7 Bankruptcy -
Qualifying for Chapter 7 Bankruptcy
Understanding Legal Forms
Voluntary Petition
Application to Pay Filing Fee in Installments
Application for Waiver of the Chapter 7 Filing Fee
Schedule A—Real Property
Schedule B—Personal Property
Schedule C—Property Claimed as Exempt
Schedule D—Creditors Holding Secured Claims
Schedule E—Creditors Holding Unsecured Priority Claims
Schedule F—Creditors Holding Unsecured Nonpriority Claims
Schedule G—Executory Contracts and Unexpired Leases
Schedule H—Codebtors
Schedule I—Current Income of Individual Debtor(s)
Schedule J—Current Expenditures of Individual Debtor(s)
Summary of Schedules
Declaration Concerning Debtor’s Schedules
Statement of Financial Affairs
Chapter 7 Individual Debtor’s Statement of Intention
Statement of Current Monthly Income and Means Test Calculation
Debtor’s Certification of Completion of Instructional Course Concerning Personal Financial Management
Master Address Lists and Mailing Matrix
Filing with the Court Clerk and Notifying Creditors
Creditors’ Meeting
Court Hearing and Approval of Plan
Section 7: Chapter 13 Bankruptcy -
Qualifying for Chapter 13 Bankruptcy
Understanding Legal Forms
Voluntary Petition
Application to Pay Filing Fee in Installments
Schedule A—Real Property
Schedule B—Personal Property
Schedule C—Property Claimed as Exempt
Schedule D—Creditors Holding Secured Claims
Schedule E—Creditors Holding Unsecured Priority Claims
Schedule F—Creditors Holding Unsecured Nonpriority Claims
Schedule G—Executory Contracts and Unexpired Leases
Schedule H—Codebtors
Schedule I—Current Income of Individual Debtor(s)
Schedule J—Current Expenditures of Individual Debtor(s)
Summary of Schedules
Declaration Concerning Debtor’s Schedules
Statement of Financial Affairs
Chapter 13 Plan
Statement of Current Monthly Income and Disposable Income Calculation
Debtor’s Certification of Completion of Instructional Course Concerning Personal Financial Management
Master Address Lists and Mailing Matrix
Filing with the Court Clerk and Notifying Creditors
Creditors’ Meeting
Court Hearing and Approval of Plan
Section 8: Special Circumstances -
Amending Your Paperwork
Changing from Chapter 13 to Chapter 7
Lien Avoidance
Redemption
Reaffirming a Debt
Lawsuits
Pensions and Retirement Plans
Section 9: After Your Discharge -
Handling Your Finances
Obtaining Credit
Glossary -
Appendix A: Exemptions (Federal and State) -
Appendix B: Checklists and Worksheets -
Appendix C: Blank Forms -
Index -
About the Author

Excerpt

Editorial Reviews

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