Aug 1, 2024 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

Chapter 13 Bankruptcy Interest Rates: Understanding Their Potential Effects On Your Financial Future

How Interest Rates Impact Your Chapter 13 Bankruptcy in Hawaii Understanding Chapter 13 bankruptcy interest rates is essential for anyone considering this form of debt relief. Chapter 13 allows individuals to reorganize their debts into a manageable repayment plan, typically spanning three to five years. However, the interest rates applied to various debts during this period can significantly impact...

Jun 1, 2024 | By Blake Goodman | Read Time: 5 minutes | Bankruptcy

Understanding Chapter 13 Bankruptcy Discharge: What You Need To Know

Identifying Dischargeable Debts in Chapter 13 Bankruptcy Cases There are many aspects of bankruptcy, but the one many people have questions about is loan discharges. Once the bankruptcy process is completed, many of your debts may be discharged or wiped out. This allows you to begin your financial journey anew. When thinking about discharging debts, the different types of...

May 15, 2024 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

Use Impact of Bankruptcy On Future Employment Opportunities

Understanding The Impact Of Bankruptcy On Your Career: What You Need To Know The decision to file for bankruptcy can be a challenging one. It’s important to consider how it will impact your daily life. A concern many people have is whether or not it will affect employment. Will you lose your job when you file? Will you have...

May 10, 2024 | By Blake Goodman | Read Time: 4 minutes | Debt Settlement

What Are The First Steps In Initiating Debt Settlement In Hawaii?

Detailed Analysis Of Debt Settlement: Exploring The Advantages & Challenges Debt is something that most everyone has. With the rising prices of living in Hawaii, it seems nearly impossible to avoid credit card debt, mortgages, auto loans, or other types of debt. Additionally, it is all too common to miss payments and end up in a cycle of not...

Apr 25, 2024 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

What Is Bankruptcy Fraud? Consequences & Penalties

Detailed Guide To Bankruptcy Fraud: Types, Legal Penalties & Prevention For some people or businesses, there may come a time in life where they are unable to pay their debts and will have to consider filing for bankruptcy. Filing for bankruptcy should never be taken lightly and it is wise to consult with a bankruptcy attorney to determine if...

Apr 10, 2024 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

The Role Of Credit Counseling in a Bankruptcy Process

Analyzing How Credit Counseling Affects Chapter 7 & Chapter 13 Bankruptcy Results When struggling financially, filing for bankruptcy can be an option. It is wise to contact a bankruptcy attorney who will help you determine all of your options and whether Chapter 13 or Chapter 7 is right for you Filling for bankruptcy should not be taken lightly and...

Mar 25, 2024 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

Can I Buy a House After Filing For Bankruptcy?

Exploring Your Path To Homeownership Following Bankruptcy While buying a house is already a challenge, purchasing it after bankruptcy can feel even more daunting. But there’s good news! Homeownership is still achievable, whether you filed Chapter 7 or Chapter 13 bankruptcy. In the next section, a bankruptcy lawyer will provide valuable insights and steps you can take to turn...

Mar 14, 2024 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

FCRA Impact on Bankruptcy: Navigating Credit Reporting in Chapter 7 & Chapter 13

How Does the FCRA Influence Credit Reporting During Bankruptcy? The Fair Credit Reporting Act (FCRA) plays a pivotal role in safeguarding the integrity and privacy of your credit information, a matter of utmost importance, especially when dealing with bankruptcy proceedings, whether it’s Chapter 7 or Chapter 13. As a seasoned bankruptcy attorney in Honolulu, Blake Goodman offers invaluable insights...

Mar 3, 2024 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

How To Explain Bankruptcy On Your Credit Report To Future Lenders

Presenting Your Bankruptcy Case To Potential Lenders Bankruptcy is often viewed as a financial fresh start, but it comes with its set of challenges, particularly when it comes to rebuilding credit and seeking new lending opportunities. If you’re in Hawaii and have experienced bankruptcy, you might find yourself in a situation where you need to explain your credit report...

Feb 22, 2024 | By Blake Goodman | Read Time: 5 minutes | Bankruptcy

Loan Modification vs. Refinancing In Hawaii: Which Is Better Post-Bankruptcy?

Navigating Mortgage Adjustments After Bankruptcy: Refinancing Or Modification Options In Hawaii A loan modification adjusts the original conditions of your mortgage loan. In contrast to refinancing, a loan modification doesn’t settle your existing mortgage to start a new one. When you have finally made it past the bankruptcy process, you may be thinking of adjusting your mortgage payments. This...

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