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Recent Posts in Bankruptcy Category

  • Discharging Student Loans

    It is very difficult to discharge student loans in bankruptcy. But it is not impossible. A debtor needs to file a lawsuit, and show that paying back the student loans would impose an “ undue hardship .” These lawsuits are difficult and expensive. But if the case is strong enough, a good law firm can prevail. At Fuller Law Firm , we are prepared to represent debtors facing student loan problems . ...
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  • Forbes Article: What All CFOs Should Know

    Lars Fuller was recently quoted in an article from Forbes about what all CFOs should know in advance of the incoming wave of bankruptcies. Also quoted was Judge Alan Jaroslovosky, a former Bankruptcy Judge for Northern District of California, who served on the bench from 1987 to 2017. He noted how bankruptcies surged after the 2008 crisis and that he expects something similar this year as a result ...
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  • Will Bankruptcy Wipe Out All My Debts?

    Bankruptcy is probably the easiest and most straight-forward way that someone needing a financial do-over can be freed of his debts. Filing for bankruptcy will allow many debts to be discharged and the debtor can begin rebuilding his financial future from that point forward. However, not all debts are discharged in bankruptcy. Furthermore, Chapters 7 and 13 treat some debts differently. If you are ...
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  • Restoring Your Credit

    When an individual falls behind on credit card payments, is unable to keep up with a mortgage or neglects to fulfill other financial obligations, it obviously will have a negative impact on a credit score. If you have recently filed for bankruptcy, you may be wondering what steps you can take to help restore your credit. The Fuller Law Firm, PC is a full-service bankruptcy law firm that provides ...
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  • Who Can Find Out I Filed Bankruptcy?

    As soon as you file for bankruptcy it becomes a matter of public record. A bankruptcy will remain on your credit report for up to 10 years from the date you file. Potential creditors and lenders will be able to find out that you filed for bankruptcy in the past any time you apply for a loan or attempt to obtain any credit. Your employer may become aware of your bankruptcy filing if your wages had ...
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  • What is a "Chapter 20" bankruptcy?

    What Is A Chapter 20 Bankruptcy? If you have debt, there may be instances when filing Chapter 7 or Chapter 13 may not give the level of debt relief you anticipated. Filing for Chapter 13 immediately after a Chapter 7 discharge could be more beneficial. This type of filing is known as a Chapter 20 bankruptcy. Why File For Chapter 20? Filing for Chapter 13 immediately after a Chapter 7 discharge may ...
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  • What Are The Restrictions On Multiple Bankruptcy Filings?

    As there are certain eligibility qualifications which must be met before an individual can seek bankruptcy protection a second or subsequent time, it is important you understand the restrictions on multiple bankruptcy filings. Time restrictions on subsequent bankruptcy filings depend largely on whether you received a discharge of debt in your previous bankruptcy. If you did not receive a discharge ...
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  • How to Put an End to Creditor Harassment

    When an individual has fallen behind on credit card payments, mortgage payments, and other financial obligations, the last thing he or she wants to deal with is harassment from creditors . You are well aware of the fact that you have been unable to pay your bills. You understand that extra charges, penalties, and fees will be assessed if you do not pay on time. You also know that a failure to keep ...
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  • Can Bankruptcy Be Used as an Effective Foreclosure Defense?

    After investing so much time and money into your home, the last thing you want to do is lose it to foreclosure . If your lender has informed you that you could be facing foreclosure or you have already received notification that foreclosure on your property is imminent, you need to act quickly. The Fuller Law Firm, PC has helped countless individuals avoid losing their homes to foreclosure, simply ...
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  • Will My Credit Be Ruined Forever?

    One of the most common questions asked by individuals who are wondering whether bankruptcy may be right for them is whether their credit will be ruined forever. While there is no question that bankruptcy will have a significant impact on your credit score, the magnitude of the impact will depend greatly on what your credit score was at the time of filing. What many people may not realize is that ...
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    Bankruptcy law treats debts to family members and business associates a little differently than debts to banks or other creditors. If you owe money to family members or business associates, and pay them back within one year prior to filing bankruptcy, then, under bankruptcy law, your family member or business associate may be forced to pay that money back, if you have filed a chapter 7 . If you ...
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