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There's More Than One Way to Get There From Here (Payment Choices for Bankruptcy Fees)

So you’ve decided that filing bankruptcy is the best option for you. But that decision now leads to another looming question:  How can I file bankruptcy if I can’t pay the fees in full right now? There are many paths leading to your intended des… Read More
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Hold On...To Your Home Equity

Home ownership. It’s part of the Great American Dream. There’s nothing quite like the excitement when you are handed the keys to your new home. As time goes by, you work hard to build equity in your home. Until recently, keeping that equity in a… Read More
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Changes in Nebraska Bankruptcy Means Test Income Limits

I.     Our blog report from February 3, 2014 (What is the Bankruptcy “Means Test”) explained the bankruptcy means test. A.     In November, the income limits or ceilings for the “short form” means test changed. B.     Overall,… Read More
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How to Determine Your Vehicle's Market Value

I.          When filing bankruptcy, you are required to list what you own and what it’s worth – “market value” A.        “Vehicle market value” is the dollar amount it would sell for, now, in “as is” condition, off a d… Read More
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The Underwear Index: Tips for Living Within Your Means

Men’s underwear sales actually fell during the recession. Economists call it the underwear index. The theory goes that during economic hard times, people buy only what they absolutely need. That’s not bad advice if you’re in the midst of your o… Read More
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When to Consider Filing a Chapter 13 Bankruptcy

Typically, most people with overwhelming debt, who have decided to file bankruptcy, want to file a Chapter 7.  There are some good reasons for this:  A Chapter 7 is the fastest (100 days from “filing” to “discharge”); the simplest; and the… Read More
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Some Things Can't Be Taken Away From You

Clients who have been threatened by bill collectors often describe the experience as gut wrenching.  Many say they are left with a sense of dread that everything they have will be taken away from them.  Not so. There are some property items and amo… Read More
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Loan Qualification After a Catastrophe

Sure, most lenders shy away from lending money to people who have recently sought the protection of bankruptcy. But that actually doesn’t last very long, even though credit reports will include your bankruptcy for 7-10 years. While debtors often ge… Read More
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10 Tips to Guard Against ID Theft

It is estimated that as many as 16 million households fell victim to identity theft in 2012. This type of theft is the fastest growing financial crime in the U.S. Reduce your risk with these simple, and mostly free, steps: (1) Get off mailing… Read More
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Been Sued by a Collection Agency? (Now What?)

Once you get over the shock of being sued, there are steps you can, and should, take to protect yourself.  Every defendant (that’s you) has the right to file an “answer” denying the contents of the creditor’s “claim.” If you decide… Read More
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