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Foreclosure Woes? You Do Have Options

Over a period of 11 years, hundreds of homeowners facing foreclosure were the victims of a foreclosure remediation scam, which eventually forced many into involuntary bankruptcy proceedings.  Andrew Bartok’s company, Revelations a/k/a “Foreclosure Club of America”, promised homeowners that, in exchange for fees paid to his company, they would be able to stay in their […]

Keep An Eye on Your Bankruptcy Risk Score

Vince Laboon needed a loan to make home improvements.  Shortly after he applied for a $15,000 home equity line of credit, Laboon got a letter from the bank with his “bankruptcy score.”  The letter did not provide an explanation and Laboon was nervous. Most people are familiar with credit scores, but may not know about […]

Why You May Want Credit Restoration After Filing Bankruptcy

Filing for bankruptcy can be an emotionally charged decision. You want to pay your debts, but the financial challenges can be overwhelming, especially in this economic climate. Filing for bankruptcy can lift the financial burden and provide a second chance for consumers with unmanageable debts. But how does a bankruptcy appear on your credit report […]

Chapter 13: What You Need to Know About Excluded Debt

Bankruptcy may be a “fresh start” but it may not leave the debtor completely debt free. Certain types of debts survive Chapter 13 bankruptcy and are not discharged. As a rule, the discharge releases the debtor from all debts provided for by the plan or disallowed, with the exception of certain debts. To the extent that they are […]

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