By Jeff Field | Published May 11, 2026 | Posted in Bankruptcy | Tagged Tags: automatic stay, bankruptcy, foreclosure | Leave a comment
Repeated Bankruptcy Filings Can Limit Automatic Stay Protections
The automatic stay is one of the most powerful protections in bankruptcy. It typically takes effect immediately upon filing and stops most collection activity, including lawsuits, foreclosure actions and repossessions. For many filers, it provides immediate relief from creditor pressure. That protection is not unlimited, however. When someone files multiple bankruptcy cases within a short Read More
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Is Home Equity at Risk in a Chapter 7 Bankruptcy?
A Chapter 7 bankruptcy is sometimes referred to as a liquidation because the court-appointed trustee has the power to sell a petitioner’s non-exempt assets to repay their creditors. That label tends to scare many homeowners who assume they will automatically lose their homes and the equity they have built. In reality, whether someone’s home equity Read More
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Can Personal Bankruptcy Prevent an Imminent Vehicle Repossession?
Repossession is always a risk when someone falls behind on the payments for their vehicle. Depending upon the terms of the purchase agreement, even a single missed payment can potentially spark immediate collection action. If someone knows that they’re in danger of losing their car or truck, they might wonder if filing for bankruptcy will Read More
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Does Every Bankruptcy Filer Receive an Immediate Automatic Stay?
Bankruptcy offers several distinct forms of financial relief and protection for filers. It can be a lifeline for individuals, married couples, self-employed professionals and small business owners who are overwhelmed by financial obligations, often due to factors outside of their control. Medical debts caused by a sudden health problem, untenable credit card balances following a Read More
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Can You Exempt a 401(k) in a Chapter 7 Filing?
Chapter 7 bankruptcy is often the best way for eligible individuals and married couples to take control of their debt. Many filers can complete the Chapter 7 bankruptcy process within a few months. While this legal process provides rapid financial relief for those facing aggressive collection efforts, filers could be required to liquidate assets in Read More
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What Types of Tax Debts Can Bankruptcy Address?
There are multiple taxes that people living in Georgia must pay. There are state and federal income taxes, sales taxes, taxes on specialty goods and property taxes. Both income taxes and property taxes can result in significant debt that individual filers may struggle to manage. As a general rule, most tax obligations are not eligible Read More
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Adjusting a Chapter 13 Repayment Plan After a Sudden Job Loss
Sometimes, Chapter 13 bankruptcy is referred to as the “wage earner’s plan,” because it enables someone with a steady income to manage their debt load while avoiding harassment from collectors. Of course, nothing is certain in life, so what happens if you lose your job during the middle of your repayment schedule? As part of Read More
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Is It Possible to Qualify Under the Chapter 7 Means Test Even if You Have a High Income?
People who struggle with debt despite earning a higher-than-average income sometimes are told that they cannot file for Chapter 7 bankruptcy because they make too much. Indeed, the means test is used in Chapter7 proceedings to ensure that debt discharge only is granted to those who really need that type of relief. While the first Read More
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How Merchant Cash Advance Transactions Are Treated in Business Bankruptcies
Running a small business is tough. Even very successful operations have times where revenue is not sufficient to meet financial obligations. Though the terms can be onerous, it is not surprising that many retailers and other companies turn to merchant cash advances when they need a quick monetary infusion. In these arrangements, the business receives Read More
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Nontraditional Households Can Complicate Chapter 13 Analyses
Old television shows and films often portrayed American homes as consisting only of parents and their minor children. In truth, there have always been households that included grandparents, aunts, uncles, stepchildren and others who were not part of the traditional nuclear family. Now, more attention is given to the “modern family” that has countless variants. Read More
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