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Chapter 13 – Personal Reorganization -Chapter 13 Bankruptcy is used by individuals to reorganize or discharge their debt. Chapter 13 is typically used to stop foreclosure and catch home mortgages up-to-date and to discharge debt. In chapter 13 you may be able to wipe out a second mortgage that is wholly “underwater.”
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Your finances can take a hit due to circumstances beyond your control. No matter how careful you have been with your money, there might be circumstances or situations where it becomes necessary to file for bankruptcy. You might take this step to prevent your possessions been taken over by creditors or simply put a stop to communications from accredited.
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Bankruptcy is a series of federal laws enacted to allow people to be relieved from their debts and start all over again The terms and conditions of the bankruptcy laws underwent significant changes in 2005, making it difficult to make a fresh start
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Every year there are thousands of Americans who file for bankruptcy protection. It is not surprising as a tepid economy leaves millions of Americans struggling with their credit card bills and mortgage payments.
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