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Bankruptcy And Divorce

Lets face it Bankruptcy is complicated. Divorce is complicated. Handling the two together requires an expert to review your situation in detail so they can fine tune the right solution for everyone involved. Most think bankrupcy is a quick way to resolve the divorce and the debt. In most cases this is NOT the case.

The following is not legal advice. If you need legal advice as you know, you should seek legal counsel in your local area.

Most divorcing couples feel that bankruptcy will eliminate all their debts so that they can quickly get out of the divorce and debt. Unfortunately, a great deal of debt is not discharged in a bankruptcy. Most bankruptcies are filed under chapter 13 where the existing debt is paid off over 5 years.

Bankruptcy will not eliminate the following debts:

  • Alimony
  • Child support
  • Some obligations for property settlement in divorce
  • Student loans
  • Debts arising from fraud or theft
  • Criminal restitution
  • Some IRS tax debts
  • Recent non-essential purchases
  • Cash advances

 

Can I eliminate debt without a bankruptcy?

If you would rather avoid the stigma, cost and stress of a bankruptcy and still eliminate your debts you do have a legal and effective option.

  • Your Debts could be reduced by up to 60%*
  • You could reduce your monthly expenses by half
  • You don't need a loan, to be a home owner of even have good credit.
  • You don't have to file bankruptcy.
  • You only need to take a couple minutes to see if your financial situation qualifies. Which is FREE.

By making a request on our site you will get a free FULL consultation from a professional debt relief provider who will answer all your questions, determine if your situation is right for debt reduction, estimate how much your debt can be reduced by and estimate when you can be debt free. You will get any and all costs associated with their service free and UP FRONT before you make any decision. It only takes a few minutes to generate your estimate, but you may spend as much time as you wish getting your questions answered.

If at the end of this consultation you are comfortable with the service and debt reduction amount you can start right away. If you feel this is not the right solution for you, you have absolutely no obligation or cost. Simply thank your counselor and say goodbye.

It's that simple to find out if you can avoid bankruptcy and reduce your debts.
Start now with our easy 2 step consultation process below:

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We are Not offering a Government based or backed Bailout Program.

Chapter 7 11 13 is a referal service that puts you in touch with companies offering services you are interested in receiving quotes and consultations from. Chapter 7 11 13 is not an end provider of debt relief services nor are we part of any agreementor contract of services you may commit to with a debt relief company.

The content provided on Chapter-7-11-13.net is a general description of services. Actual benefits, costs and features of services will vary from company to company. It is up to you, the consumer to consult with the service provider and any professional you deem appropriate to educate yourself on all the details of their program before making any decision.

By completing a form on this website you are requesting a service to contact you, in most cases by telephone, regardless of your status on the do not call list (DNC). Forms on this website are for information requests only, mainly for quotes, they are never an application or pre-qualification for services. Chapter 7 11 13 evaluates carefully the service providers we put you in touch with, however we do not endorse nor are we responsible for the actions taken or services provided by any particular company that may be found by using the Chapter-7-11-13.net website.

Chapter 7 11 13 is not providing legal, financial, investing or any other professional advice. Although we believe the content on this website to be acurrate it is general in nature and does not fully describe the complex details of every debt situation or program you may decide to use. It is recommended that you always contact a professional in the appropriate field for advice before making any decision.

In no case should you, the visitor, believe that there is any gaurantee that a you will not have to file bankruptcy now or in the future. This type of claim is not possible since bankruptcy is YOUR decision. * Up to 60% Debt reductions shown are real examples of some of the higher potential debt reductions possible. The debt negotiation industry averages about a 50% debt reduction, plus fees for their service, your results will vary. Chapter 7 11 13 is not the end provider of debt relief service thus we do not gaurantee any debt reduction amount, this will be estimated by the debt relief company you choose to use.

Important Issues to Consider when Evaluating Debt Settlement or Negotiation Programs

Consumers should not use a debt settlement service if they are able to pay their minimum balances due each month. Nor should the join if they do not have a legitmate financial hardship.

1) late fees, penalties, and interest will continue to accrue on the consumer’s debt until the consumer’s creditors accept and receive a settlement; (2) a consumer’s creditors may still sue to collect on the debts and garnish the consumer’s wages; (3) interest rates applicable to the consumer’s debt may increase; (4) any money a consumer saves in negotiating a settlement with a creditor must be treated as income for tax purposes; and (5) a debt settled for less than the full amount owed may result in a negative notation on the consumer’s credit report.

Chapter 7 11 13. is not acting as a lender or broker. The information provided by you to Chapter 7 11 13 is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property's location, your credit score, your loan-to-value ratio, debt-to-income ratio, and other factors.

Debt relief services may not be available in all states. It is your responsibility to confirm the debt relief service you choose is able to do business in your state.

Chapter-7-11-13.net is not liable for any loss resulting from a business relationship formed by you the consumer and an end service provider found using the chapter7-11-13.net website.

 

 

 

 

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