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OTHER FINANCIAL OBLIGATIONS A Chapter 13 can also assist with lots of other kinds of debt, consisting of: Past-due rent Past-due energies Title loans Past-due child support Income taxes Medical bills If you are drowning in financial obligation and desire to see what type of relief Chapter 13 can attend to your situation, then call the Reaves Law office today for a FREE CONSULTATION.

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In simply a couple of hours, the insolvency department at the Reaves Law office can have a Chapter 13 applied for you that substantially lowers your regular monthly payments. Does Insolvency Start Your Financial Life Over? With  More Discussion Posted Here , you can erase most kinds of unsecured debt (i. e.

This indicates you will not have to pay anything on those financial obligations. While this might sound luring to lots of people, the choice to submit Chapter 7 is not one that must be made lightly. The personal bankruptcy department at the Reaves Law Practice has the knowledge to explain the advantages and disadvantages of Chapter 7 for your specific scenario.

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FINANCIAL OBLIGATIONS THAT A CHAPTER 7 USUALLY WON'T HELP As a general matter, a Chapter 7 won't offer you with any relief for student loans and kid assistance. Certain kinds of taxes and fines will likewise make it through a Chapter 7 discharge; however, those debts need to be thought about on a case-by-case basis.

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But if you are existing on those payments, then normally you can enter into what is called a Reaffirmation Agreement with those creditors and keep making your payments. If you are prepared to surrender your home back to the creditor, then a Chapter 7 can assist you prevent having to pay the difference if the creditor offers your home or cars and truck for less than you owe on it.

The Reaves Law practice will not submit a Chapter 7 for a specific if there is even a slight chance that he will lose his house involuntarily. Garnishments, Title Loans, and Payday loans In a lot of cases, submitting a bankruptcy will stop a garnishment. Both a Chapter 13 and a Chapter 7 can be extremely useful.