Saving Your Home in Chapter 13 Bankruptcy PDF Download
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Author: Michelle J. White Publisher: ISBN: Category : Bankruptcy Languages : en Pages : 35
Book Description
"This paper examines how filing for bankruptcy under Chapter 13 helps financially distressed debtors save their homes. Filing under Chapter 13 stops lenders from foreclosing and gives debtors extra time to repay mortgage arrears, but does not reduce the total amount owed. We develop a model of debtors' decisions to default on their mortgages and file for bankruptcy and we evaluate it using a new dataset of debtors who filed for bankruptcy under Chapter 13 in 2006. We also examine the effect of allowing "strip-down" of residential mortgages in Chapter 13, so that bankruptcy judges could reduce the total amount owed. The paper documents that 96% of Chapter 13 filers are homeowners and that more than 90% of Chapter 13 plans involve repayment of mortgages or car loans. The model predicts that introducing strip-down would allow an additional 100,000 debtors to save their homes each year"--National Bureau of Economic Research web site
Author: Michelle J. White Publisher: ISBN: Category : Bankruptcy Languages : en Pages : 35
Book Description
"This paper examines how filing for bankruptcy under Chapter 13 helps financially distressed debtors save their homes. Filing under Chapter 13 stops lenders from foreclosing and gives debtors extra time to repay mortgage arrears, but does not reduce the total amount owed. We develop a model of debtors' decisions to default on their mortgages and file for bankruptcy and we evaluate it using a new dataset of debtors who filed for bankruptcy under Chapter 13 in 2006. We also examine the effect of allowing "strip-down" of residential mortgages in Chapter 13, so that bankruptcy judges could reduce the total amount owed. The paper documents that 96% of Chapter 13 filers are homeowners and that more than 90% of Chapter 13 plans involve repayment of mortgages or car loans. The model predicts that introducing strip-down would allow an additional 100,000 debtors to save their homes each year"--National Bureau of Economic Research web site
Author: Stephen Elias Publisher: NOLO ISBN: 9780873370790 Category : Business & Economics Languages : en Pages : 420
Book Description
This guide provides step-by step instructions for completing a Chapter 7 bankruptcy . Also included is a discussion of Chapter 13 in order to assist the reader in deciding which procedure is the more appropriate.
Author: Henry J. Sommer Publisher: Turner Publishing Company ISBN: 1620459566 Category : Law Languages : en Pages : 409
Book Description
The most comprehensive and reliable guide for consumers--by the nation's preeminent bankruptcy attorney. This information-packed guide offers consumers all the help they will need to protect themselves through every step in the bankruptcy process.
Author: Robin Leonard Publisher: ISBN: 9786610710102 Category : Languages : en Pages : 484
Book Description
Please note that this edition is now out of print and has been replaced by the 9th edition, also available through MyiLibrary ... Reduce your debts, save your property -- and start over! Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? Consider Chapter 13 bankruptcy, which can provide you an affordable repayment plan -- and let you keep your house, car and other property. You can even avoid attorney fees and do it yourself -- let Chapter 13 Bankruptcy show the way. Find out how to: determine if you qualify for Chapter 13 estimate monthly payments devise an acceptable repayment plan complete and file forms stop a house foreclosure make up missed mortgage payments pay off other debts represent yourself before a bankruptcy judge or trustee The 8th edition is completely rewritten to reflect the recent (and massive) changes to federal bankruptcy law, as well as the latest bankruptcy exemption laws of your state. It also includes the most current legal documents and instructions on filling them out. Whether you work with a lawyer or file on your own, you'll find everything you need to take charge of your debts in Chapter 13 Bankruptcy. Please note: This book does not cover business bankruptcies, farm reorganizations or individual repayment plans (Chapter 13). For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy.
Author: Cara O'Neill Publisher: Nolo ISBN: 1413329748 Category : Law Languages : en Pages : 321
Book Description
If you’re considering filing for Chapter 13 bankruptcy, this guide is for you. Chapter 13 Bankruptcy simplifies the process so you’ll know: how much you’ll pay in a repayment plan what it takes to keep a home or car which debts will be erased when the case ends how to rebuild credit after bankruptcy, and how to find and hire the right lawyer. The newest edition contains legal updates, state-specific bankruptcy charts, and more.
Author: David P. Leibowitz Publisher: Aspatore Books ISBN: 9780314272089 Category : Bankruptcy Languages : en Pages : 0
Book Description
Filing for Chapter 13 Bankruptcy is the next best thing to a one-on-one conference with your attorney. Written by a nationally-known and respected consumer bankruptcy attorney, this essential reference speaks to you directly about all aspects of Chapter 13 cases, just as though you were a client meeting with your lawyer. This easy-to-read guide explains to you everything you need to know about Chapter 13 debt adjustment, including questions you may never have thought to ask. Are you eligible for Chapter 13? Is there another form of bankruptcy that is right for you? Can you save your home and your car? Filing for Chapter 13 Bankruptcy can help you answer these questions, as well as direct you in gathering and organizing documents, developing your Chapter 13 plan, and protecting your assets. Youll be an informed and educated client after reading this guide, prepared to tackle your Chapter 13 case with confidence. Youll be prepared to work collaboratively with a lawyer to assist you in the preparation of your Chapter 13 case and confirmation of your Chapter 13 plan.
Author: Stephen Elias Publisher: NOLO ISBN: 9781413320268 Category : Business & Economics Languages : en Pages : 0
Book Description
This plain-English guide to decide if Chapter 13 is right for you and to learn how to keep valuable property and discharge your unsecured debts. Chapter 13 legal concepts, procedures, and monetary calculations can be tricky. Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law so you can: . consider alternatives to bankruptcy . decide which is better for you -- Chapter 7 or Chapter 13 . determine if you qualify for Chapter 13 . understand bankruptcy’s automatic stay . learn how Chapter 13 can help avoid foreclosure . find out if you can reduce your car loan balance, or the balance on other secured debts . determine if you can strip second mortgages or home equity lines from your home . calculate (with forms and step-by-step instructions) whether you have enough income to propose a repayment plan that will meet legal requirements . calculate the amount of your monthly plan payment . find and work effectively with an excellent lawyer, and . rebuild your credit after bankruptcy This newest edition includes new information on hiring and working with a lawyer, recent U.S. Supreme Court and other federal court decisions interpreting bankruptcy law, the latest bankruptcy exemption laws in your state, and recent IRS standard expense amounts (which play a role in plan payments). This book does not cover business bankruptcies, farm reorganizations, or Chapter 7 personal bankruptcy. See Nolo's How to File for Chapter 7 Bankruptcy.
Author: Michelle J. White
Author: Michelle J. White
Author: Stephen Elias
Author: 
Author: Henry J. Sommer
Author: Robin Leonard
Author: Cara O'Neill
Author: David P. Leibowitz
Author: Stephen Elias
Author: 
Author: