Coverting from A Chapter 13 to a Chapter 7: Is it an "Absolute Right?"

There are few absolute rights in bankruptcy cases these days, whether the case is a Chapter 7 or a Chapter 13!

Here's a Favor I Want You to Do For Me, So I Can Help You

There's something I want you to do for me. It's really a favor for you, but you're more likely to do it if I ask you nicely.

And I want you to do it so I can help you!

And no, that's not like the phrase: "I'm from the Government, and I'm here to help you!"

Another Bankruptcy Myth in Arizona!

There are a lot of bankruptcy myths, and at some point I'll make a collection of them. Here's a discussion of one of the most common! This myth has application to both Chapter 7 Bankruptcy Cases and Chapter 13 Bankruptcy Cases in Arizona.

My New Bankruptcy Blog

I'm very happy with this Bankruptcy Blog; it's a lot prettier than the others!

Enjoy!

Here Is Another Helping of Favorite Bankruptcy Articles from this Week and my Other Bankruptcy Blog!

Most Popular Posts of the Week!

• Hey, Give Heidi a Break, Okay? Itemize your Furniture!

  Here's the deal: when you fill out your forms online in our computerized system, there will come a point when you are finished, and you will...
• A Timeline for Your Bankruptcy Case; Usual Sequence of Events in A Chapter 7 Bankruptcy in Arizona

  Prior to your bankruptcy, suffer and worry a lot. You will, no matter what, and all that suffering will make you feel better when the overwh...
• Pamela Yip: "Take steps to avoid entering retirement with credit card debt"

  Good advice from Pamela Yip . My favorite line from the article? "The ideal situation for retirement is to enter it debt-free." And eas...
• The Arizona Bankruptcy Exemptions, Assembled by the Bankruptcy Court for the District of Arizona

  Has anybody else tried to post a pdf on a blog, whether it's an Arizona Bankruptcy Blog, or anyplace else? For a simple back-country Arizo...
• What Happens to my Little Business When I File a Personal Chapter 7 Bankruptcy in Arizona?

  That depends. Have you noticed that things all happen in clusters, influenced apparently by sunspots? I got three calls this month from ...
• Atheism Good for Business? Why I Love the United States.

  One thing about people in the United States: even though we're knee-deep in a depression, with bankruptcy cases to the right of us and the l...
• Do I Get to Keep the Wedding Ring, Part II

  I previously blogged about the wedding ring issue , but I'm going to try it again, and this time I'll try to make it more direct. 1)You wi...
• Bankruptcy Arizona: How Do I Fill Out the Bankruptcy Schedules, Bankruptcy Statements, and Bankruptcy Lists: How Do I Fill Out the Forms?

  This is designed to help my clients fill information into their forms. This is not legal advice for somebody in New York, or anybody else, b...
• The Number One Bankruptcy Mistake that Debtors Make in Arizona

  Is this the real #1 mistake that people make about bankruptcy in AZ? Well, yeah, I think it probably is the single worst common bankruptcy...
• I Swiped a Post from a New Blog I'm Building to Help My Small Business Clients AVOID Bankruptcy!

  This is a post from a new blog I've started. It has one purpose in mind: it's designed to help folks who have small businesses bring in more...
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Here's a New Bankruptcy Blog for Your Reading and Viewing Enjoyment!

Here's a new Arizona Bankruptcy Blog. I like it partly because it's very easy to change the way that information about bankruptcy, both consumer and business, is presented there.

So come visit my new bankruptcy blog, and enjoy yourselves!

Bankruptcy Videos? Well, Yeah, I Have a Few Bankruptcy Videos!

Feel free to go on over to my other site that's full of bankruptcy videos!

The First Meeting of Creditors in Your Bankruptcy Case is Scary, but It Doesn't Really Need to Be.

If you know what's going to happen at your First Meeting of Creditors, then it doesn't have to be all that scary, right?

Mind you, there are additional questions in a Chapter 13 First Meeting, or a Chapter 11 or Chapter 12 Bankruptcy in Arizona. And you don't ever have to worry about a Chapter 9 Bankruptcy.

So watch and enjoy, and I hope your blood pressure goes down a bit.

  

Why Is it a Good Idea to Pass the Means Test?

And there is a reason to pass the means test, in living color!

Passing the means test isn't always easy; in fact, just calculating the means test analysis is a little like doing your taxes!

But it gives you useful information!

   

Before You File a Chapter 13 Bankruptcy in Arizona, Don't You think You Ought To Have a Reason to File?

There are still a few good reasons to file a Chapter 13 Bankruptcy Case after the 2005 Amendments to the Bankruptcy Code.

But there are only a few.

No Superdischarge, right? And you won't be modifying the first mortgage, right?

And you'll be paying through the nose for up to five years, right?

Now, I've filed either hundreds or thousands of Chapter 13 Cases, back when they were a good idea (hey, we used to have $1.00 total payment Chapter 13 Plans in the Good Old Days!), but these days, you'll need to explain to me in words of few syllables why you think you need a Chapter 13 Case instead of a Chapter 7 Case.

And don't get me wrong; a Chapter 13 is a perfectly good solution.

But only in a very few circumstances.