The Chapter 7 Means Test

Posted on : September 25, 2017, By:  D.C. Higginbotham
Bankruptcy Means Test

A Chapter 7 bankruptcy is one of the most common forms of bankruptcy filed today. It involves liquidating the majority of your non-exempt assets (excluding things you need for daily living, like your home and car) and using those funds to pay your debts. Anything left over that is an unsecured debt is typically discharged, […]

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Under What Circumstances Can a Student Loan Be Discharged?

Posted on : September 2, 2017, By:  D.C. Higginbotham
Jacksonville Bankruptcy Lawyer Student Loans

Student loans are typically considered one of the few non-dischargeable debts in a bankruptcy claim. Other non-dischargeable debts include tax debt and other types of secured debt. However, there are some circumstances that will give a person the ability to have their student loans discharged anyway. This loophole is called the Brunner Test. The Brunner […]

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How to Purchase a House After Bankruptcy

Posted on : August 9, 2017, By:  D.C. Higginbotham
Buy a Home After Bankruptcy in Florida

Many people mistakenly believe that they won’t be able to buy a house at all after filing bankruptcy, or at least until the bankruptcy falls off their credit report after 7-10 years. This isn’t necessarily true. In fact, there are ways to¬†purchase a new home after a successful bankruptcy. Doing so may even help you […]

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Thinking About Bankruptcy? Don’t Do These 3 Things

Posted on : July 8, 2017, By:  D.C. Higginbotham
Florida Bankruptcy Attorney

When considering bankruptcy, it’s common to hear others’ suggestions that will allegedly prepare you financially for the bankruptcy process or help make your bankruptcy easier. However, some of this well-intentioned advice can actually jeopardize your bankruptcy claim. Here’s what you want to avoid before filing for either a Chapter 7 or a Chapter 13 bankruptcy. […]

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Can You File Bankruptcy More Than Once?

Posted on : June 19, 2017, By:  D.C. Higginbotham
Florida Bankruptcy Lawyer

Filing for bankruptcy can bring you financial relief after being overwhelmed with debt. However, some people find themselves in debt again, usually due to circumstances outside of their control. For example, a medical emergency or a sudden move could put you in financial distress again, leaving you little choice but to look into bankruptcy. Is […]

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