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bankruptcy julius king foreclosure

There are two main types of personal bankruptcy under the United States Bankruptcy Code -- Chapter 13 and Chapter 7.

Chapter 13 is a great alternative when:

  • Your facing foreclosure or repossession and you want to catch up your payments.
  • You have lots of equity in your home or other property but you need to eliminate or consolidate other debts.
  • You want to lower the payment and interest rate on an automobile.
  • You want to eliminate the second mortgage on a home that is not worth what's owed on the first mortgage.
  • You have regular income of some sort and can pay your basic living expenses but need a little help with the other debts.
  • Chapter 7 is a great alternative when:
  • You don't have a lot of personal property worth a lot of money and your home that you are purchasing doesn't have lots of equity in it.
  • You want to completely eliminate unsecured creditors like credit cards, collections, medical bills, personal loans -- basically any debt without collateral attached to it.
  • You want a fresh start and want to clear your credit and start over immediately.
  • You don't have much money left over after paying your basic living expenses.
  • * Contrary to myths out there, you don't have to give up your house, car or furniture if you file a Chapter 7.