Bankruptcy BasicsAccording to the American Bankruptcy Institute ?household debt is at a record high relative to disposable income.? The Administrative Office of the U.S. Courts reported that the number of filings for the year ended March 31, 2003 ?exceeded 1.6 million for the first time in any 12 month period,? a 15.1 percent increase from the previous year.
There are two basic types of personal bankruptcy: Chapter 7 and Chapter 13. Chapter 7 Bankruptcy and Chapter 13 are legal proceedings that are available to a person to cope with a financial crisis. Personal bankruptcy must be filed in a federal bankruptcy court. You will have to pay about $160.00 in court fees. Attorney fees are additional.
Chapter 7 bankruptcy involves the liquidation of all your assets that are not exe...Read full article.
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