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Personal Bankruptcy Laws For Dummies, 2nd Edition

Personal Bankruptcy Laws For Dummies, 2nd Edition

James P. Caher, John M. Caher

ISBN: 978-1-118-05280-8

Mar 2011

384 pages



With tips on understanding -- and surviving -- the new bankruptcy laws

If you're considering bankruptcy, you need straightforward answers and reliable advice. This handy guide covers it all -- so you can get your finances in line and your life back on track. This updated new edition covers everything you need to know about the new bankruptcy law and includes even better resources. Don't get desperate -- get out of debt instead!

Discover how to
* Weigh the consequences of bankruptcy
* Manage your spending
* Find professional help you can trust
* Decide on the right type of bankruptcy
* Pass the means test
* Keep more of your stuff
Introduction 1

Part I: Bankruptcy: The Big Picture 7

Chapter 1: Considering Bankruptcy 9

Chapter 2: Stopping the Bleeding 27

Chapter 3: Meeting the Players 47

Chapter 4: Deciding Which Type of Bankruptcy Is Best for You 57

Chapter 5: Confronting the Means Test 69

Chapter 6: Getting from Here to There: The Bankruptcy Process 91

Part II: Avoiding Bankruptcy 115

Chapter 7: Considering Alternatives to Bankruptcy 117

Chapter 8: Handling Bill Collectors 135

Chapter 9: Negotiating with the IRS 145

Part III: Keeping Your Stuff 153

Chapter 10: Understanding Which Assets Are Off Limits to Creditors 155

Chapter 11: Dealing with Secured Debts 173

Chapter 12: Saving Your Home 183

Part IV: Getting Rid of (Most of) Your Debt 199

Chapter 13: Lingering Obligations 201

Chapter 14: A House of Cards: Wiping Out Credit-Card Debts 215

Chapter 15: Give unto Caesar: Using Bankruptcy to Deal with Tax Debts 223

Chapter 16: The Devil Made Me Do It: Fines, Fraud, and Other Foibles 237

Chapter 17: Till Debt Due Us Part: Bankruptcy and Divorce 247

Chapter 18: Student Loans and Other Mind Games 257

Part V: Strategies for a Successful Bankruptcy 271

Chapter 19: Avoiding Troubles with Your Trustee 273

Chapter 20: Living on the Edge in Chapter 13 Bankruptcy 283

Part VI: Enjoying Your Fresh Start 305

Chapter 21: Repairing Your Credit 307

Chapter 22: Staying Out of Financial Trouble 319

Part VII: The Part of Tens 327

Chapter 23: Ten Common Bankruptcy Mistakes 329

Chapter 24: Ten Things You Can Do Right Now to Ease Your Financial Woes 333

Chapter 25: Ten Common Questions about Bankruptcy 337

Appendix: Homestead Exemption Laws 343

Index 347