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Do’s and Dont’s for Your 341 Meeting of Creditors

Posted on July 2nd, 2015 by Joe Pioletti

Do’s and Dont’s for Your 341 Meeting of Creditors from Joe Pioletti   When you file a bankruptcy case, you will be required to attend the First Meeting of Creditors. Take note of the things you should or should not do for your First Meeting of Creditors in Illinois.

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Debt Problems: Should I File A Chapter 7 Bankruptcy Case?

Posted on June 25th, 2015 by Joe Pioletti

Dealing with debt problems can have emotional and physical consequences. For many people, struggling with debt problems leads to depression, anxiety, high blood pressure, and insomnia. Answering endless calls from creditors, receiving threatening letters from collection companies, and living with the fear that you will lose your home or car is extremely frightening and stressful. […]

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Why Do I Have To Pay Back Unsecured Creditors If I Filed Bankruptcy?

Posted on June 11th, 2015 by Joe Pioletti

If you cannot afford to pay your debts, bankruptcy offers a legal means for obtaining a financial fresh start by discharging your debts. Bankruptcy cases are governed by federal law and cases are handled by a federal bankruptcy court. Filing a bankruptcy case immediately stops all collections efforts by your creditors including actions to repossess […]

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The Cost of Filing Chapter 7 Bankruptcy

Posted on June 4th, 2015 by Joe Pioletti

As you consider filing for bankruptcy relief, the cost of filing Chapter 7 is probably on the forefront of your mind. In addition to being worried about how to make ends meet, you are worried about how you can afford the cost of filing Chapter 7. A better question you may want to consider is […]

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Do I Have To Appear Before A Bankruptcy Judge?

Posted on May 26th, 2015 by Joe Pioletti

This is a common question for anyone who is considering filing a bankruptcy case. Filing for bankruptcy relief is a big step; however, it may be the best way to resolve your debt problems. People file bankruptcy for a variety of reasons including unemployment, the loss of a spouse, a failed business, or an unexpected […]

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Chapter 13 Timeline: How Long Does It Take To File Chapter 13?

Posted on May 19th, 2015 by Joe Pioletti

Have you been struggling with unpaid bills for a long time? Are your creditors beginning to take legal action to repossess your property, foreclose on your home, or obtain judgments and wage garnishments? If so, you are probably feeling an urgency to find some type of solution to your debt problems. Filing a Chapter 13 […]

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Eliminate Your Second Mortgage in a Chapter 13 Bankruptcy Case

Posted on May 14th, 2015 by Joe Pioletti

Filing bankruptcy accomplishes several goals. It stops creditor harassment, collection efforts, foreclosure, repossession, and lawsuits. However, what is more important is what bankruptcy provides to a debtor. Bankruptcy provides a fresh start and a clean slate for an individual who has been struggling to pay his or her bills while providing for the basic necessities […]

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Grandparents Or Parents Who Cosign For Kids

Posted on May 7th, 2015 by Joe Pioletti

It is only natural for grandparents and parents to want to help their grandchildren and children whenever possible. This includes cosigning debts to help the child get a good start or a “leg up” in the world. Unfortunately, when you cosign for kids, you may find yourself in a very serious financial situation. Last year […]

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What is Reaffirmation Agreement in Chapter 7 Bankruptcy?

Posted on May 5th, 2015 by Joe Pioletti

When you file a Chapter 7 bankruptcy case, you must include all of your creditors in the bankruptcy filing regardless of whether you intend to continue paying any of your debts after the bankruptcy case is closed. For example, you must include student loan debt in your bankruptcy case even though it is an unsecured […]

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Can I Keep My Car If I File Bankruptcy?

Posted on April 30th, 2015 by Joe Pioletti

If your car is about to be repossessed, it can be a terrifying situation. You need your vehicle to take care of your family and to travel to and from work. You are doing your best to earn enough money to catch up the car payments; however, if the lender takes your car, you may […]

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