bankruptcy

Can Your Spouse’s Bankruptcy Affect You?

Call: 888-297-6203 When you marry someone, a lot of things change. While building a life with someone, there are several things that people are concerned about, a credit score is probably not on the top of the list, but it makes the list. The concern is genuine as Los Angeles based bankruptcy law firm https://recoverylawgroup.com/ explains. Though after marriage, the credit history of the spouses does not merge, yet a bad credit score can affect their chances of getting a combined loan. Before coming to any conclusion, it is important that you understand that individual credit scores are [...]

2025-08-25T13:31:12+00:00
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Is the Cancellation of Debt Reaffirmation Agreement Allowed in Bankruptcy?

Call: 888-297-6203 Filing for bankruptcy is the best way to get rid of your debts. Almost all your nonpriority unsecured debts can be discharged through bankruptcy. Once the debts are discharged, you have no obligation to pay them. Sometimes, people can opt for reaffirming their debts. This happens in case of secured debts. People have the option of either surrendering their property or keeping them by reaffirming their loan. The terms of reaffirmation are generally like the original agreement with the creditor. However, many time it so happens that after reaffirming a loan, you find it difficult to [...]

2025-08-11T10:36:54+00:00
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Managing Bankruptcy Fees is Important

Call: 888-297-6203 Thinking of getting rid of your debts through bankruptcy? You will be surprised to know that you require additional money to file for bankruptcy. Ironic it may seem to say, Los Angeles based bankruptcy law firm Recovery Law Group lawyer, but it is important to pay bankruptcy fees. However, people who have meager income can opt for a waiver of bankruptcy fees. A waiver of bankruptcy fees is available only to those people who cannot even afford to hire a lawyer. People who have enough money to pay for a lawyer can obviously pay the bankruptcy fees [...]

2025-08-11T09:44:07+00:00
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Is Personal Information Revealed During Bankruptcy?

Call: 888-297-6203 Unable to meet financial commitment is a cause of embarrassment for most people. Majority of them choose to file for bankruptcy to get rid of debts and often avoid letting the news of their bankruptcy out. Many times, they don’t even discuss these issues with their closest friends. Thus, disclosing it to employers or landlord etc. is out of the question. While filing for bankruptcy, a lot of personal information is shared, and this is a major cause of worry for them. Since bankruptcy filing is public information, people are worried as to what happens to [...]

2025-08-11T09:46:08+00:00
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Are Accounts Included in Bankruptcy Deleted?

Call: 888-297-6203 When you file for bankruptcy, it is important to remember that any and all accounts that are included in the bankruptcy will find a mention on your credit report. Lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, inform that these accounts will not be deleted from your credit history immediately after a bankruptcy discharge, but remain on the credit report for a period of seven years. This seven-year duration is from the original delinquency date or the date of the bankruptcy filing. Individuals can file for bankruptcy under Chapter 7 or Chapter 13. [...]

2025-08-11T10:06:56+00:00
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Get Your Credit Report Updated to Show Bankruptcy Discharge

Since bankruptcy filing is public information, people can have access to it. This is a major point of concern for bankruptcy filers as it hampers their chance of getting a loan or even a decent job. Though the information is entered in your credit report, any discharge granted for the bankruptcy should also be mentioned on the credit report. Many times as per the Los Angeles based bankruptcy law firm Recovery Law Group lawyers, the information is not updated on credit reports. This is a cause of worry for people who wish to start their life afresh but [...]

2025-08-06T07:41:56+00:00
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Simple Truths about Bankruptcy

Bankruptcy is a misinterpreted word that is not discussed in open conversation. A person declaring bankruptcy is often looked down by society. In fact, bankruptcy is a good way to save face from bad loans and lead a respectable life. Bankruptcy is substantially explained on Recovery Law Group, which will expose myths about bankruptcy. # 1 myth Bankruptcy is often considered petrifying. In fact, bankruptcy is a good solution from never-ending debts, wage garnishments, creditors pressurization. It offers a fresh start for debtors and abstains foreclosure. All a debtor need is an experienced bankruptcy advocate to make the [...]

2025-08-21T10:00:45+00:00
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The 10th Circuit rules

The 10th circuit court rules reprimand that the tax debt may not be exempted for the client under Chapter 7 if the income tax return is filed late. Income tax return debt can be discharged under chapter 7. However, it needs to fall under certain criteria. The income tax returns are a mandatory procedure that citizens of the USA need to follow every year. Tax debts can be huge, and the clients may seek discharge. You can visit Recovery Law Group for good advice. The income tax return debt can be discharged under Chapter 7 when- The tax [...]

2025-08-21T11:25:53+00:00
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Different Categories of Debts During Bankruptcy

Bankruptcy can be a complicated process especially when the filer possesses different kinds of debts. Classifying the debts in the right order or priority might seem simple but is a very complicated process. These debts can be replaced by a phrase called ‘lender claims’ or ‘creditor claim’. The first step to this complicated process is to segregate debt between secured and unsecured debts. Secured means debts which have a lien or a security backing in the form of collateral. You will use Schedule D to list such secured creditors. While unsecured debts are debts which are given without [...]

2025-08-11T10:52:02+00:00
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Utility Bills and Bankruptcy

Sometimes, there are things more important than your favorite car or even a farmhouse during a bankruptcy that you may have to worry about. Not having electricity for heater or air conditioner during winter or summer can be a more serious issue. Most bankruptcy solutions do not address how to tackle the basic utility expenses. Under the bankruptcy law, utilities are also regarded as a priority and are monitored or addressed very cautiously. There is very little time to delay or postpone the dues due to utilities. Not having water or electricity can certainly be life-threatening. The average [...]

2025-08-06T06:35:25+00:00
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We are a debt relief agency. We help people file bankruptcy petitions to obtain relief under the bankruptcy code.