Chapter 13 Secrets eBook

Chapter 13 Secrets You Need to Know Before You File Bankruptcy!

Before you visit another website, talk to an attorney, or even discuss filing Chapter 13 with a friend or family member download your FREE copy of our eBook, Chapter 13 Secrets, written by Bill White, The Orange County Bankruptcy Attorney.

Most people considering bankruptcy just don't know what they can and can't do with their money or assets. Bankruptcy law is not user-friendly nor is it intuitive. Additionally, myths abound that cause people to make the wrong decisions, even with the best intentions.

You won't be one of those people once you read our eBook.

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What to Do If You Don't Qualify for Chapter 13?

Qualifying for Chapter 13 is different than qualifying for Chapter 7. Chapter 13 limits the amount of secured and unsecured debt you may have in order to file Chapter 13. If you exceed those limits, you don't qualify to file Chapter 13. The limits are reviewed and updated every year to keep in line with inflation. As of April 1, 2013, the limits for secured debt was $1,149,525 and the unsecured debt limit was $383,175. What happens if you have more debt than is allowed? There is a way to file Chapter 13 without qualifying. Click here if you want to know more.

How to Eliminate Back Taxes in Chapter 13?

Contrary to popular belief and many so-called "experts" in the media, certain tax debt can be discharged (eliminated) in bankruptcy. Of course, there is a catch. In order to discharge taxes, the taxes must satisfy some stringent rules. First, you need to know there are some taxes that are never dischargeable, such as payroll taxes withheld from an employee's paycheck. However, regular income taxes are subject to discharge in Chapter 13. There are primarily 3 rules that must be satisfied: 1) the "3-year" rule; 2) the "2-year" rule, and; 3) the "240-day" rule. Do you know how these rules work? Click here if you want to know more.

When You Can Sue Your Creditor For Trying to Collect a Debt?

There are situations when a debtor can sue a creditor when all the creditor is trying to do is collect on the debt. These types of situation are governed by Federal law and involve the creditor violating Federal law. Before you can sue the creditor, you need to know when the creditor has violated the Federal law. There are a number of laws that protect people from improper conduct by creditors, but one, in particular, arises from the bankruptcy arena and is very powerful. Do you know what it is? Click here if you want to know more.

What To Do After You File Chapter 13?

There are a number of steps that the debtor must complete after filing a Chapter 13. For example, there are certain debts that the debtor must continue to pay, no matter what, just as there are debts that don't need to be paid. Do you know which debts fall into which category? Also, do you know what happens to lawsuits that have been filed against you once you file Chapter 13? Do you know which debts continue to add up even after you file Chapter 13? Click here if you want to know more.

If you don't know the answers to the questions above, you really need to download and read our Free eBook, Chapter 13 Secrets!