Personal Bankruptcy Laws for Dummies

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With tips on understanding — and surviving — the new bankruptcy laws

If you're considering bankruptcy, you need straightforward answers and reliable advice. This handy guide covers it all — so you can get your finances in line and your life back on track. This updated new edition covers everything you need ...

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Personal Bankruptcy Laws For Dummies

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With tips on understanding — and surviving — the new bankruptcy laws

If you're considering bankruptcy, you need straightforward answers and reliable advice. This handy guide covers it all — so you can get your finances in line and your life back on track. This updated new edition covers everything you need to know about the new bankruptcy law and includes even better resources. Don't get desperate — get out of debt instead!

Discover how to
* Weigh the consequences of bankruptcy
* Manage your spending
* Find professional help you can trust
* Decide on the right type of bankruptcy
* Pass the means test
* Keep more of your stuff

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Product Details

  • ISBN-13: 9780471773801
  • Publisher: Wiley
  • Publication date: 1/4/2006
  • Series: For Dummies Series
  • Edition description: Revised Edition
  • Edition number: 2
  • Pages: 384
  • Sales rank: 409,852
  • Product dimensions: 9.06 (w) x 11.24 (h) x 0.84 (d)

Meet the Author

James P. Caher, a practicing attorney with 30 years ofexperience, is a nationally recognized expert on consumerbankruptcies and authority on the Bankruptcy Abuse Prevention andConsumer Protection Act of 2005.
Jim coauthored, with his brother John, Debt Free! Your Guide toPersonal Bankruptcy Without Shame (Henry Holt, 1996) and twohighly regarded books for lawyers: Discharging MaritalObligations in Bankruptcy (LRP, 1997) and Discharging CreditCard Debts in Bankruptcy (LRP, 1998).
In addition, Jim has published scores of articles for bankruptcyprofessionals and is frequently called upon to analyze andinterpret the complicated provisions of the 2005 bankruptcy law. Hewas labeled the “online guru” by a national legalweekly because of his regular appearances on the Internet as anexpert analyst on bankruptcy law. Jim also serves on the editorialboard of the American Bankruptcy Institute.
Jim graduated from Niagara University and then earned his lawdegree from Memphis State University Law School, where he was amember of the Law Review and recipient of the AmericanJurisprudence Award for Excellence in the field of debtor-creditorrelations. He filed his first consumer bankruptcy case shortlyafter graduating in 1975. Jim lives and practices in Eugene,Oregon.

John M. Caher is a legal journalist who has written aboutlaw and the courts for most of his 25-year career.
Currently the Albany bureau chief for the New York LawJournal, John previously was state editor and legal affairsreporter for the Times Union of Albany, New York. His legalreportage has won more than two dozen awards, including prestigioushonors from the American Bar Association, the New York State BarAssociation, the Erie County Bar Association, and the AssociatedPress.
John coauthored, with his brother Jim, Debt Free! Your Guide toPersonal Bankruptcy Without Shame (Henry Holt, 1996). He is theauthor of King of the Mountain: The Rise, Fall and Redemption ofChief Judge Sol Wachtler (Prometheus Books, 1998). In addition,John was the principal writer assisting former U.S. TreasurySecretary William E. Simon in preparation of his memoirs. Mr.Simon’s autobiography, A Time for Reflection, waspublished in 2003 by Regnery.
John is a 1980 graduate of Utica College of Syracuse University,where he received his bachelor’s degree in journalism, and a1993 graduate of Rensselaer Polytechnic Institute, where he earneda master’s degree in technical communications/graphics. Johnlives in Clifton Park, New York.

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Table of Contents

Introduction 1

Part I: Bankruptcy: The Big Picture 7

Chapter 1: Considering Bankruptcy 9

Chapter 2: Stopping the Bleeding 27

Chapter 3: Meeting the Players 47

Chapter 4: Deciding Which Type of Bankruptcy Is Best for You57

Chapter 5: Confronting the Means Test 69

Chapter 6: Getting from Here to There: The Bankruptcy Process91

Part II: Avoiding Bankruptcy 115

Chapter 7: Considering Alternatives to Bankruptcy 117

Chapter 8: Handling Bill Collectors 135

Chapter 9: Negotiating with the IRS 145

Part III: Keeping Your Stuff 153

Chapter 10: Understanding Which Assets Are Off Limits toCreditors 155

Chapter 11: Dealing with Secured Debts 173

Chapter 12: Saving Your Home 183

Part IV: Getting Rid of (Most of) Your Debt 199

Chapter 13: Lingering Obligations 201

Chapter 14: A House of Cards: Wiping Out Credit-Card Debts215

Chapter 15: Give unto Caesar: Using Bankruptcy to Deal with TaxDebts 223

Chapter 16: The Devil Made Me Do It: Fines, Fraud, and OtherFoibles 237

Chapter 17: Till Debt Due Us Part: Bankruptcy and Divorce247

Chapter 18: Student Loans and Other Mind Games 257

Part V: Strategies for a Successful Bankruptcy 271

Chapter 19: Avoiding Troubles with Your Trustee 273

Chapter 20: Living on the Edge in Chapter 13 Bankruptcy 283

Part VI: Enjoying Your Fresh Start 305

Chapter 21: Repairing Your Credit 307

Chapter 22: Staying Out of Financial Trouble 319

Part VII: The Part of Tens 327

Chapter 23: Ten Common Bankruptcy Mistakes 329

Chapter 24: Ten Things You Can Do Right Now to Ease YourFinancial Woes 333

Chapter 25: Ten Common Questions about Bankruptcy 337

Appendix: Homestead Exemption Laws 343

Index 347

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