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(BANKRUPTCY)
(MONEY WI$E)
(A CONSUMER ACTION PUBLICATION) A+
(Bankruptcy)
(Bankruptcy)
.
(bankruptcy laws) .
, , ,
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7 13
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7 (chapter 7) “ (liquidation)”
13 (chapter 13) “ (repayment)” .
7 ,
. , “ (exempt assets)”
.7
(trustee) ,
.(
.)
13 “ (wage earner repayment plan)”
. 13
, 3 5 , .
.
13
.
“ (means
test)” . 7 13
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(median)
7 .
7 13
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7 .
1
(
1 ) . .
2005 31,652 ,
54,273 .( 2006 .)
(www.usdoj.gov/ust) “Means Testing Information”
.
5 6 ( 1 )
13 . (Internal
Revenue Service, IRS) , ,
.
7 (tax return)
. 13
4 .
.
:
(certificate of credit counseling).
60 .
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6
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(the U.S. Trustee)
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(www.usdoj.gov/ust)
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, , , ,
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2
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. :
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“ ” .
ATM
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3
(Exempt Assets)
60 1,150
, 90 500
, 70 750 .
, , , ,
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.
(Exempt Assets)
,
(own outright)
. “ ”
.7
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(home
equity) .
, , , , ,
.( ,
,
.)
.
(own
outright) .
:
2 2
(homestead exemption) .
40
12,5000
.
. 7
10 .
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4
(Assessing the Damage)
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.7
8 . 2-4
13 .
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.7
13
, 7 .
(fair debt collection laws)
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(credit history) .3
Equifax, Experian TransUnion .1
(Annual Credit Report)
(Federal Trade
Commission) .
:
(annualcreditreport.com).
877-322-8228.
Annual Credit Report Request Service, P.O. Box 105281, Atlanta,
GA 30348-5281. ( .)
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5
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(National Foundation on Consumer Credit, NFCC)
(www.nfcc.org) (800-388-2227) .
NFCC (“ ,” CCCSs
) .
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. 2 (second mort-
gage) (home equity line of credit)
. .
.
.
.
.
,
. “ (debt consolidation
mortgages)” .
.
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6
?
(U.S.
Bankruptcy Court)
.
. .
.
.
(the National Association of Con-
sumer Bankruptcy Attorneys, http://nacba.org)
. “Find a Bankruptcy Attorney
Near You.” .
.
.
.
.
.
.
(title)
.
.
( “Legal Aid” “Legal Assistance”
)
. (Legal
Services Corporation) (www.lsc.gov) “Find Legal
Services” .
(Bankruptcy Court)
.
.
“ ”(www.law.emory.edu/FEDCTS) .
7
s
(bankruptcy clerk’ office)
.7
274 13 185 .
(tax return)
(paycheck stubs) . ,
, , , ,
. (payment demands),
(mortgages), (deeds), (summonses), (court
judgments), (statements), (medical
bills), (bank account statements),
, , .
,
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.
(trustee) .
, ,
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7
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13 3 5
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, ,
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, (security interest)
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8
…
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:
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•
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“ ”(reaffirm) .(
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. 45
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9
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- (Legal Information Institute)
: www.law.cornell.edu
“Law About…”
.
(The National Association of Consumer Bankruptcy Attorneys)
: http://nacba.org
“Find a Bankruptcy Attorney Near You”
.
(The National Foundation for Credit Counseling, NFCC)
: www.nfcc.org
: 800-388-2227
,
.(
(the U.S. Trustee) .)
Nolo Press
: www.nolo.com
: 800-728-3555
, (collections),
.
(U.S. Trustee)
: www.usdoj.gov/ust
,
(means testing)
.
10
(Consumer Action)
221 Main St., Suite 310 523 West Sixth St., Suite 1105
San Francisco, CA 94105 Los Angeles, CA 90014
415-777-9635 213-624-8327
: info@consumer-action.org
: www.consumer-action.org
MoneyWi$e : www.money-wise.org
sm
MoneyWi$e Capital One Financial Services (www.
capitalone.com/smallbusiness) . ⓒ Consumer Action 2006
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