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Tyler Bankruptcy Lawyer Tagg
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How to Handle Creditor Harassment with Bankruptcy
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One of the most commonly filed forms of bankruptcy today is Chapter 7. What this form of bankruptcy does is allow you to liquidate assets that are non-exempt, not including your home, car, and other things needed for day-to-day life, to pay your debts. If you still have debt left over that isn't secured, it is typically written off, or discharged. However, not everyone can file this type of bankruptcy -- to do so, you must first pass what is called a means test.
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Although student loans are typically considered "untouchable" by bankruptcy because they're a secured debt like tax debt, there are some circumstances that allow borrowers to have their student loans discharged. Certain criteria must be met in order to indicate eligibility, or more specifically, borrowers must pass the Brunner Test. Here's how you may be able to get your student loan discharged in a bankruptcy.
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One of the most common misconceptions about buying a house after bankruptcy is that it can't be done. Or, that it has to be done after the bankruptcy is no longer on your credit report, which takes between 7-10 years depending on the type of bankruptcy you filed for. Fortunately, you can buy a home after filing for bankruptcy -- there's just a few things you need to keep in mind first.
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If it seems like you’re drowning in bills or you have more debt on your plate than you can handle, bankruptcy may seem like a viable option. However, since most people in this situation don’t have a lot of money to spare, paying a bankruptcy attorney may seem counterintuitive.

Today’s “do-it-yourself” bankruptcy paperwork can be purchased at office supply stores or downloaded online and allegedly walk you through the bankruptcy process so you can file without paying a lawyer to do it for you. However, DIY bankruptcy is not all it’s cracked up to be.
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If you're thinking about filing for bankruptcy, you may have heard about some things that may make filing for bankruptcy easier or may better prepare your finances for the process of filing. However, not all of these things are in your best interest. Here are three things you absolutely want to avoid doing if you think bankruptcy may be in your near future.
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If you've filed for bankruptcy before, you know that it can be both challenging and rewarding. Getting out from underneath crushing debt can help you in many ways, but what happens if you find yourself in debt again? Is it possible to file bankruptcy a second time? It is, but there are some things you should understand before the paperwork is underway.
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Filing a Chapter 7 bankruptcy can help you to get out of a great deal of debt, including medical bills, credit card debt, and more. However, tax debt is considered a "secured" debt and isn't as easy to get out of. However, if you meet certain criteria, you may be able to have your back taxes discharged like you would credit card debt or medical bills. Here's how you may be able to dissolve your tax debt by filing for bankruptcy.
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Being overwhelmed with bills is disheartening enough, knowing that you’re struggling and you’re having to choose between paying for groceries or paying on an old medical bill. However, when you add creditor harassment into the mix, it can begin to feel like you’re drowning. Contrary to what many people believe, creditors cannot say or do whatever they want in order to get someone to pay a debt. There are certain guidelines they need to follow, and failure to do so is considered creditor harassment. Are you being harassed by creditors?
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Many people are concerned if they file for bankruptcy, they will lose all of their possessions, including their home and their vehicle. This isn't quite true and while some assets are inevitably going to be liquidated during the bankruptcy process, there are a great deal of assets that are considered exempt. These vary from state to state -- learn about the bankruptcy exemptions in Texas below.
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