Toll Free 888 310 3001

We are a debt relief agency. We help people file for bankruptcy under the bankruptcy code.

Copyright ©2012 Fresh Start Legal Group, Inc. | All Rights Reserved | Terms & Conditions

Bankruptcy Articles and Information

Articles on Collections, Credit Reports and Bankruptcy

The following information is not legal advice, nor is it intended to be legal advice. It is general information about a variety of bankruptcy-related topics available on our main site, The articles will open up in a new window.

How to Clean Up Your Credit Report

You can get one free credit report each year from each of the three major credit reporting agencies. You are entitled to an additional free copy of your report each year if: You've been denied credit because of information in your credit report....
Read Full Article

Credit Report Basics

Your credit report is a detailed record of how you've managed your credit over time. Lenders use your credit report -- or the credit score that results from the datsa in it -- to help them decide whether to grant you credit, and, if so, under what terms....
Read Full Article

What to Do If a Bill Collector Crosses the Line

In order to deal with debt collectors, it pays to learn what they can and cannot do. Although most bill collectors are careful to follow the law when contacting you, some are not. If a bill collector goes too far, you can take action.
Read Full Article

What Is Bankruptcy?

Bankruptcy is a federal court process designed to help consumers and businesses eliminate their debts or repay them under the protection of the bankruptcy court. Bankruptcies can generally be described as "liquidations" or "reorganizations."
Read Full Article

What Bankruptcy Can and Cannot Do

Bankruptcy is good at wiping out credit card debt, but you may have trouble eliminating some other kinds of debts, including child support, alimony, most tax debts, student loans, and secured debts.
Read Full Article

How Bankruptcy Stops Your Creditors: The Automatic Stay

When you file for bankruptcy, something called the automatic stay immediately stops any lawsuit filed against you and most actions against your property by a creditor, collection agency, or government entity. Especially if you are at risk of being evicted, being foreclosed on...
Read Full Article

Should I File Bankruptcy Now or Wait?

While you may have pressing reasons to consider filing for bankruptcy now, in some situations you may want to wait to file, even if you are eligible for Chapter 7 bankruptcy. If you face an immediate problem that bankruptcy can at least temporarily alleviate, such as a wage garnishment, foreclosure....
Read Full Article

A Chapter 7 Bankruptcy Overview
Chapter 7 bankruptcy is sometimes called "liquidation" bankruptcy -- it cancels your debts, but you might have to let the bankruptcy court liquidate (sell) some of your property for the benefit of your creditors. ("Chapter 7" refers to the chapter of the federal Bankruptcy Code that contains the bankruptcy law.)
Read Full Article

Chapter 7 Bankruptcy -- Who Can File?

Filing for Chapter 7 bankruptcy can be a powerful tool for dealing with overwhelming debt. But it isn't available to everyone. There are several situations in which you won't be allowed to file Chapter 7 bankruptcy.
Read Full Article.

When Chapter 7 Bankruptcy Isn't the Right Choice

If you are inclined to file for Chapter 7 bankruptcy, take a moment to decide whether it makes economic sense. You need to consider three questions:
Read Full Article

An Overview of Chapter 13 Bankruptcy

Chapter 13 bankruptcy, sometimes called reorganization bankruptcy, is quite different from Chapter 7 bankruptcy. In a Chapter 7 bankruptcy, most of your debts are wiped out; in exchange, you must relinquish any property that isn't exempt from seizure by your creditors. In a Chapter 13 bankruptcy, you don't have to hand over any property...
Read Full Article

Reasons to Use Chapter 13 Bankruptcy Instead of Chapter 7 Bankruptcy

Many debtors choose not to file for Chapter 13 bankruptcy because it requires repayment of at least a portion of their debts (unlike Chapter 7 bankruptcy, which wipes out many debts entirely )....
Read Full Article