Eva Bacevice, Esq.

Eva Bacevice, Esq.

Contributor

Eva G. Bacevice graduated from the University of Michigan Law School in 2001. She practiced law for close to a decade in the area of consumer bankruptcy. She now works in higher education as an Academic Advisor for undergraduate students at the Stephen M. Ross School of Business, University of Michigan and has recently joined Upsolve as a content writer.

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How to Get a Reaffirmation Agreement in Chapter 7 Bankruptcy?

A reaffirmation agreement is a binding contract, and as such you should give careful consideration to the costs and benefits prior to entering into one.

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Can I Amend My Bankruptcy Forms After I File?

You can almost always amend your bankruptcy forms after you file. Knowing how the process works can help you correct a mistakes or add information if need be.

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Everything You Need to Know About How Bankruptcy affects Credit Union Accounts

There are a lot of details to understand when you are deciding whether filing for bankruptcy is a good idea. If you are a member of a credit union, there are some specific things to consider that are unique to this type of organization. Keep reading to learn how bankruptcy affects credit union accounts.

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Can I File Bankruptcy with No Money While Being Unemployed?

Your ability to file a bankruptcy case is not dependent on your employment status. Being unemployed is a common cause when it comes to reasons to file bankruptcy, and it is possible to file bankruptcy with no money. If you’re unemployed, consider the factors and information discussed below when making your decision about whether bankruptcy is right for you.

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I'm married. Will filing for Chapter 7 bankruptcy affect my spouse?

If you’re filing for Chapter 7 bankruptcy and your spouse is not, you may be wondering whether they are going to be affected. The short answer is that if your debts are separate, their credit will not be impacted.

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When is Chapter 13 Bankruptcy Better than Chapter 7 Bankruptcy?

If your main intention is to keep secured non-exempt property and catch up on past due-payments, a Chapter 13 might be the better choice.

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When is Chapter 7 Bankruptcy Better than Chapter 13 Bankruptcy?

If you qualify to file a chapter 7 bankruptcy, and you do not have significant assets to protect, a chapter 7 is probably your best option.

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How to File Chapter 7 with No Money?

Upsolve can help you file Chapter 7 bankruptcy with no money down if you qualify.

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Illinois Bankruptcy Exemptions

The intent of bankruptcy is not to strip you of everything you own. Exemptions allow you to keep many, if not all, of your belongings.

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How Long Does Chapter 13 Bankruptcy Take?

You are likely to spend about 3 to 5 years completing your Chapter 13 case.

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Why do Bankruptcy Cases get Dismissed?

There are three main reasons for dismissal; you do not meet the eligibility requirements to file, there was a procedural error, or the case involves fraud or was filed for fraudulent purposes.

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Texas Bankruptcy Exemptions

The intent of bankruptcy is not to strip you of everything you own. Exemptions allow you to keep many, if not all, of of your belongings.

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How to File Bankruptcy Without a Lawyer?

You are not required to hire an attorney to file bankruptcy. You can do so for free, or with a legal aid organization.

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Will I lose my personal injury settlement award if I file for bankruptcy?

Whether or not you can keep your personal injury settlement award when you file for bankruptcy depends on a number of different factors.

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Can I fire my bankruptcy lawyer?

Yes, you can fire your bankruptcy lawyer, but it will likely come at a cost.

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What are bankruptcy payments?

Bankruptcy payments can include the cost of filing, attorney fees, payments to your creditors, and other administrative fees.

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Can I get a mortgage after chapter 7 bankruptcy?

Yes, you can get a mortgage after a chapter 7 bankruptcy. Lenders have their own requirements and waiting periods.

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What happens if you transfer property before bankruptcy?

You are not allowed to transfer property for fraudulent purposes or for the purpose of hiding the property from your creditors.

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Can bankruptcy take your 401k or IRA?

Retirement accounts are almost always protected in a bankruptcy case. If you are considering filing, it’s best to keep your retirement assets where they are. Unless you can fully pay off all of your debts, taking money out of your retirement accounts to keep up usually only prolongs the inevitable.

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Can filing bankruptcy stop a debt collection lawsuit against me?

Yes, in many cases, a debt collection lawsuit is the exact reason why people file for bankruptcy relief.

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Can Chapter 7 Bankruptcy Be Filed Online?

Chapter 7 bankruptcy forms can be prepared online and filed with the bankruptcy courts.

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Can You File Chapter 13 Bankruptcy Online Yourself?

There is no "TurboTax" option to file Chapter 13 bankruptcy online.

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I’m unemployed. Can I file for bankruptcy?

You don’t have to be employed to file for bankruptcy. That said, unemployment can require you to file a Chapter 7 case and add things to consider when you do.

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Should I file for bankruptcy before I get married?

It is usually easier to file for a bankruptcy before getting married. In a Chapter 7 bankruptcy, it can be beneficial to do so earlier so that you are not bringing debts into the relationship.

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Can Bankruptcy Stop Eviction?

Yes, bankruptcy can stop an eviction temporarily in most cases, but will not stop an eviction in the long term.

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I’m a 1099 Contractor. How is My Bankruptcy Different?

Much of the bankruptcy process is the same for people who are a full-time employee and people who are contractors. However, there are a few differences. When your income is not regular or easily predicted, you must demonstrate that you are eligible to file and ensure that it makes sense to file when you do.

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I drive for Uber. Can I keep my car if I file for chapter 7 bankruptcy?

Probably. You are only at risk for losing your car during a Chapter 7 bankruptcy in one of two scenarios.

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Will My Employer Find Out About My Bankruptcy?

Your employer will most likely not find out about your bankruptcy case when you file.

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I am expecting an inheritance. Should I still file for bankruptcy?

If you want to keep the inheritance in full it’s important to wait for at least 180 days before filing your bankruptcy.

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I called my car lender to talk about my bankruptcy and they refuse to talk to me. What should I do?

It is not uncommon to have a lender react this way after a bankruptcy filing. When you file a bankruptcy an automatic stay goes into effect, which means that creditors cannot continue in any collection efforts while the bankruptcy is ongoing.

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How does bankruptcy work if I'm retired?

Bankruptcy works largely the same for people who are retired as for people who are working. Whether you are still working or already retired, your retirement savings are usually protected during bankruptcy.

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How much debt do I need to file for Chapter 7

You cannot have too little or too much debt to file for Chapter 7.

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Chapter 7 Discharged. Now what?

Monitor your credit report, stick to a budget, live within your means, rebuild your credit and live your life with a fresh start!

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How do I protect my retirement assets?

Most of your retirement accounts are fully protected in a bankruptcy case. Any retirement account that is “ERISA qualified” is completely excluded from the bankruptcy estate, meaning that there is no risk that the Trustee could take the asset to pay your creditors.

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Can I reaffirm my car in my state?

This is state specific so you will want to check what the rules are where you live. Laws can vary about reaffirmation agreements in a bankruptcy.

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Can I buy a car after bankruptcy?

Buying a car after completing a Chapter 7 is definitely possible and not uncommon. The longer that you can wait to make a large purchase after receiving your discharge the better off you will be.

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Legal Services Corporation
Robin Hood
The Upsolve Team
Harvard University
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Upsolve is a 501(c)(3) legal aid nonprofit that started in 2016. Our mission is to help low-income Americans in financial distress get a fresh start through Chapter 7 bankruptcy at no cost. We do this by combining the power of technology with attorneys. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have mission-driven funders that include the U.S. government, former Google CEO Eric Schmidt, and private charities.

To learn more, read our reviews from past clients, or read our press coverage.

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