Personal Bankruptcy Laws For Dummies (Google eBook)

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John Wiley & Sons, Mar 3, 2011 - Business & Economics - 384 pages
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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
  

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Contents

Introduction
1
Enjoying Your Fresh Start
4
Bankruptcy The Big Picture
7
Considering Bankruptcy
9
Weighing the Consequences of Not Filing Bankruptcy
24
Stopping the Bleeding
27
Meeting the Players
47
Deciding Which Type of Bankruptcy Is Best for You
57
Nondischargeable Debts in Chapter 7 versus Chapter 13
206
A House of Cards Wiping Out CreditCard Debts
215
Give unto Caesar Using Bankruptcy to Deal with Tax Debts
223
The Devil Made Me Do It Fines Fraud and Other Foibles
237
Till Debt Due Us Part Bankruptcy and Divorce
247
Student Loans and Other Mind Games
257
Managing Student Loans without Bankruptcy
266
Strategies for a Successful Bankruptcy
271

Confronting the Means Test
69
Getting from Here to There The Bankruptcy Process
91
Going through valuation hearings
111
Avoiding Bankruptcy 115 Chapter 7 Considering Alternatives to Bankruptcy
117
Handling Bill Collectors
135
Negotiating with the IRS
145
Keeping Your Stuff
153
Dealing with Secured Debts
173
Saving Your Home
183
Getting Rid of Most of Your Debt
199
Getting Rid of Most of Your Debt 199 Chapter 13 Lingering Obligations
201
Avoiding Troubles with Your Trustee
273
Living on the Edge in Chapter 13 Bankruptcy
283
Repairing Your Credit
307
Staying Out of Financial Trouble
319
The Part of Tens
327
Ten Common Bankruptcy Mistakes
329
Ten Things You Can Do Right Now to Ease Your Financial Woes
333
Ten Common Questions about Bankruptcy
337
Homestead Exemption Laws
343
Copyright

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About the author (2011)

James P. Caher, a practicing attorney with 30 years of experience, is a nationally recognized expert on consumer bankruptcies and authority on the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.
Jim coauthored, with his brother John, Debt Free! Your Guide to Personal Bankruptcy Without Shame (Henry Holt, 1996) and two highly regarded books for lawyers: Discharging Marital Obligations in Bankruptcy (LRP, 1997) and Discharging Credit Card Debts in Bankruptcy (LRP, 1998).
In addition, Jim has published scores of articles for bankruptcy professionals and is frequently called upon to analyze and interpret the complicated provisions of the 2005 bankruptcy law. He was labeled the ďonline guruĒ by a national legal weekly because of his regular appearances on the Internet as an expert analyst on bankruptcy law. Jim also serves on the editorial board of the American Bankruptcy Institute.
Jim graduated from Niagara University and then earned his law degree from Memphis State University Law School, where he was a member of the Law Review and recipient of the American Jurisprudence Award for Excellence in the field of debtor-creditor relations. He filed his first consumer bankruptcy case shortly after graduating in 1975. Jim lives and practices in Eugene, Oregon.

John M. Caher is a legal journalist who has written about law and the courts for most of his 25-year career.
Currently the Albany bureau chief for the New York Law Journal, John previously was state editor and legal affairs reporter for the Times Union of Albany, New York. His legal reportage has won more than two dozen awards, including prestigious honors from the American Bar Association, the New York State Bar Association, the Erie County Bar Association, and the Associated Press.
John coauthored, with his brother Jim, Debt Free! Your Guide to Personal Bankruptcy Without Shame (Henry Holt, 1996). He is the author of King of the Mountain: The Rise, Fall and Redemption of Chief Judge Sol Wachtler (Prometheus Books, 1998). In addition, John was the principal writer assisting former U.S. Treasury Secretary William E. Simon in preparation of his memoirs. Mr. Simonís autobiography, A Time for Reflection, was published in 2003 by Regnery.
John is a 1980 graduate of Utica College of Syracuse University, where he received his bachelorís degree in journalism, and a 1993 graduate of Rensselaer Polytechnic Institute, where he earned a masterís degree in technical communications/graphics. John lives in Clifton Park, New York.

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