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Knowledge Center

Focusing on how bankruptcy and collections impact you.

Why choose bankruptcy over debt settlement?

Perhaps it's the commercials on the radio touting "you can settle debt for pennies on the dollar - and not file bankruptcy!" or "you have the right to settle your debt!" Or, perhaps it's the desire to exhaust all options before filing bankruptcy. Regardless, I've seen...

Are Bankruptcies Public Record?

Technically, bankruptcies are public record. The good news is that unlike collection lawsuits and divorces, most local newspapers don't report bankruptcy filings. Nowadays, bankruptcies are only printed in specialized publications like the Court & Commercial Record....

You Can Discharge Medical Debt in Bankruptcy!

Can you discharge medical debt in bankruptcy? Absolutely!  Read on to find out why. Medical debt is treated like other unsecured debt in bankruptcy. Medical debt does not receive "special" treatment from other debt in bankruptcy. The truth is, medical debt can be...

The Pros and Cons of Filing Bankruptcy

There it is again. The phone’s ringing. You look at it and that all-too-familiar knot forms in your stomach. It’s that damned creditor calling for the umpteenth time. You quickly send the call to voicemail only to realize that the box has been full since last...

The Bankruptcy Process in 10 Steps

Bankruptcy doesn't have to be scary or intimidating. It can actually be completed in as little as 10 steps. Read on to find out how! 1. Gathering and reviewing your financial information. This is where the bankruptcy process begins. And here's the good news. By...