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Bankruptcy

Money is better than poverty, if only for financial reasons. — Woody Allen
  • The Benefit of Bankruptcy To Society
  • A Quick Overview of Bankruptcy For Consumers
  • Credit Counseling and Debtor Education (Personal Financial Management Course)
  • Credit Availability and Credit Scores After Bankruptcy
  • Bankruptcy Law Public Policies
  • Bankruptcy Law Sources
  • Bankruptcy Research

Bankruptcy Fundamentals

I have enough money to last me the rest of my life, unless I buy something. — Jackie Mason
  • Bankruptcy Requires Good Faith
  • Bankruptcy Participants: Debtor, Creditors, Case and Standing Trustees, United States Trustee, and Bankruptcy Judges
  • The Bankruptcy Trustee
  • Debt Relief Agencies
  • Bankruptcy Petition Preparers
  • Bankruptcy Lawyers
  • Bankruptcy Petition - The Start of Bankruptcy
  • Bankruptcy Estate
  • Joint Petitions; Joint Administration and Consolidation of Bankruptcy Cases of Closely Related Debtors
  • Automatic Stay
  • Relief From Automatic Stay
  • Creditors Meeting
  • Filing and Responding To Motions
  • Secured Debts In Bankruptcy
  • Cramdowns - Paying for Secured Debt Under Chapter 13, 12, and 11
  • The Proof and Allowance of Claims In Bankruptcy
  • Priority Rules In Bankruptcy
  • Domestic Support Obligations (DSO) Under Bankruptcy
  • Taxes In Bankruptcy: Their Priorities and Dischargeability
  • Executory Contracts and Unexpired Leases
  • Executory Contracts: Rejection
  • Executory Contracts: Assumption and Assignment
  • Bankruptcy Dismissal
  • Bankruptcy Discharge
  • Nondischargeable Debts in Bankruptcy

Pre-Bankruptcy Period

  • Preferences
  • Preference Safe Harbors
  • Setoffs and Recoupments

Special Topics

Though it has oft been said that money can't buy happiness, it can certainly prevent much unhappiness. — wcs
  • Can Bankruptcy Prevent An Eviction For A Renter?; Judgment For Possession
  • Foreclosure and Bankruptcy
  • Chapter 12 Bankruptcy Overview
  • Chapter 15 Bankruptcy Overview
  • Chapter 9-Municipality Bankruptcy
  • Chapter 7 and Chapter 13 Bankruptcy — Comparison of Benefits and Drawbacks
  • Chapter 20 Bankruptcy
  • Comparison of Chapter 11, Chapter 12, and Chapter 13 Bankruptcy for Individual Debtors
  • Bankruptcy Chapter Conversion

Chapter 7 Bankruptcy

I'm living so far beyond my income that we may almost be said to be living apart. — e.e. cummings
  • Who Qualifies for Chapter 7 Bankruptcy?
  • Chapter 7 Overview and The Creditors Meeting
  • Bankruptcy Planning
  • The Means Test In Bankruptcy — Is There A Presumption of Abuse?
  • Credit Counseling and Debtor Education (Personal Financial Management Course)
  • Chapter 7 Bankruptcy Estate
  • State and Federal Exemptions in a Chapter 7 Bankruptcy
  • Residency Requirements for Exemptions
  • Can Bankruptcy Prevent An Eviction For A Renter?
  • Will the Trustee Sell Your Home in a Chapter 7 Bankruptcy?
  • Can You Protect Your Home with the Homestead Exemption or Wildcard Exemption in a Chapter 7 Bankruptcy?
  • Secured Property — Surrendering, Redemption, and Reaffirmation in a Chapter 7 Bankruptcy
  • Lien Avoidance - Reducing Or Eliminating Liens In A Chapter 7 Bankruptcy
  • Denial or Revocation of a Chapter 7 Discharge

Chapter 13 Bankruptcy

  • Chapter 13 Bankruptcy Overview
  • Chapter 13 Timeline
  • Role of Debtor and Standing Trustee Under Chapter 13 Bankruptcy
  • Chapter 13 Bankruptcy Estate and Postpetition Claims
  • Chapter 13 Payment Plan: Requirements For Confirmation
  • Confirmation and Amending The Repayment Plan
  • Chapter 13 Repayment Plan: Content and Format

Chapter 11 Bankruptcy

  • Chapter 11 Bankruptcy Overview
  • Debtor In Possession (DIP)
  • Creditors' Committees and Equity Committees in Chapter 11 Bankruptcy
  • Chapter 11 Reorganization Plan
  • Chapter 11 Discharge, Post-Confirmation Administration, and Final Decree

Credit and Debt

If you ain't got no money, ain't nobody calls you honey. — Bo Diddley
  • Credit Scores - A complete, but concise, illustrated tutorial about credit scores, especially the FICO score, and how to raise them.
  • Credit Score Types and Versions: FICO Scores, VantageScores, and Others
  • FICO Resilience Index
  • New Developments in Credit, Debt, and Credit Scoring - Explains new developments and new factors being used to determine credit scores and creditworthiness.
  • Credit-Based Insurance Scores - How credit information is used to determine the insurance premiums charged to consumers.
  • New Credit Card Rules - A Summary of the Credit CARD Act Of 2009 (Credit Card Accountability Responsibility and Disclosure Act Of 2009)
  • Alternative Credit Bureaus - How to build credit even if you have no credit record.
  • Tenant Screening - A tutorial about the use of tenant screening companies by landlords and property managers to select whom to rent to.
  • Foreclosure
  • Real Estate Short Sales - How to avoid foreclosure and bankruptcy by selling your property through a short sale.
  • Consumer Credit Blog

Debt Collection

Creditors have better memories than debtors. — Benjamin Franklin
  • Prejudgment Remedies: General Principles, Attachment
  • Other Prejudgment Remedies: Prejudgment Garnishment, Replevin, Lis Pendens, Receivership, Court Injunctions
  • Execution and Levy
  • Judgment Liens
  • Garnishment
  • Fraudulent Transfers
  • Statutory Proceedings in Aid of Execution
  • State Insolvency Proceedings: Compositions and Extensions (Workouts), Assignment For The Benefit Of Creditors (ABC)

Debt and Taxes

I've got all the money I'll ever need if I die by four o'clock this afternoon. — Henny Youngman
  • Taxation of Canceled Debt - Taxes may be due on the canceled debt in a foreclosure or a short sale. This article explains what canceled debt is taxable, how to figure the tax, and how to possibly avoid it.

Personal Finance

  • Bankruptcy
    • Chapter 7
    • Chapter 13
    • Chapter 11
  • Credit and Debt
    • Debt Collection
  • Insurance
    • Types of Insurance
      • Auto
      • Homeowner
      • Health
      • Life
  • Real Estate
  • Taxes
    • Income Taxes
    • Personal Deductions and Tax Credits
    • Retirement Plans
    • Gratuitous Transfer Taxes
    • Educational Tax Benefits
    • Taxation of Investments
    • Business Taxes
  • Wills, Estates, and Trusts
    • Wills and Estates
    • Trusts

Investments

  • Investment Fundamentals
  • Investment Funds
  • Banking
  • Bonds
    • Types Of Bonds
      • Government Securities
      • Money Market Instruments
      • Corporate Bonds
      • Asset Backed Securities
  • Forex
  • Futures
  • Options
  • Stocks
    • Stock Indexes
    • Stock Valuation and Financial Ratios
  • Technical Analysis
  • Economics

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Cover of How to Invest in Bonds for Maximum Profit

How to Invest in Bonds for Maximum Profit shows how you can invest in bonds to maximize your profits, especially when interest rates are high, as they are now.

Imagine if you could pick only stocks that would rise the most. Well, as far as I know, there is no sure way to do that with stocks, but there is a way to do that with bonds. This book will show you how, and it will show real examples of how this works and how much you can potentially profit, and how bonds, at times, can even be better than stocks. This book will also show the best way to combine investments in bonds with investments in stocks.

Cover of The Pauper's Money Book

The Pauper's Money Book shows how you can manage your money to greatly increase your standard of living.

  • Save, invest, and earn more money.
  • Get out of debt.
  • Increase your credit score.
  • Learn to negotiate successfully.
  • Manage time effectively.
  • Invest for maximum results with a minimum of risk.
  • Minimize taxes.
  • Earn tax-free income.
  • Earn more from a career or from running a business.
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  • Information is provided 'as is' and solely for education, not for trading purposes or professional advice.
  • All articles on this site were written by William C. Spaulding
  • Copyright © 1982 - 2025 by William C. Spaulding
  • Author Website: WilliamSpaulding.com
  • Books by William Spaulding:
    • How to Invest in Bonds for Maximum Profit
      • Imagine if you could pick only stocks that would rise the most. Well, as far as I know, there is no sure way to do that with stocks, but there is a way to do that with bonds. This book will show you how, and it will show real examples of how this works and how much you can potentially profit, and how bonds, at times, can even be better than stocks. This book will also show the best way to combine investments in bonds with investments in stocks.
    • The Pauper's Money Book
      • Manage money better to improve your life by saving more, investing more, and earning more.
    • Trickle-Up Economics
      • Describes the best tax policy for any country to maximize happiness and economic wealth, based on simple economic principles.
    • Economics: An Illustrated Introduction to Microeconomics, Macroeconomics, International Economics, and Behavioral Economics
      • An introductory textbook on Economics, lavishly illustrated with full-color illustrations and diagrams, and concisely written for fastest comprehension.