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Articles about help after bankruptcy (0-50 of 2429)
- 5 Steps To Credit Card Debt Reduction And Money Saving With A Diy System
By: Timothy Neal | - Have you succumbed to the lure of credit cards and found yourself in a bit of a pickle because of it?
Pull up a chair and have a seat - Welcome to the ever growing club of consumer debt. Your biggest challenge now is to dig yourself out of this situation and avoid having to pay anyone to help you do it.
The options at this stage are usually as follow (depending on the level of credit card debt):
- Consolidate into a loan.
- Debt Management.
Tags: credit repair after bankruptcy, credit repair agencies, credit report repair services, credit histor
- 0% Apr Credit Cards - Tips & Tricks
By: Timothy Neal | - Credit cards can be considered to be one of the many basic necessities of the modern world. Credit cards are available nowadays in abundance. One type of credit card specifically is the so-called 0% APR credit card. 0% APR credit cards were introduced in the late 1980's and to this day has still proven to be one of the most sought-after credit card types available anywhere. As with all credit card types, there are a certain tips and tricks surrounding 0% APR credit cards that all potential car ... Tags: credit repair after bankruptcy, credit repair agencies, credit report repair services, credit histor
- Availing Car Loan After Bankruptcy
By: David Mcleroy | - Times have changed and so is the financial market. Nowadays one can get car loans after bankruptcy too. This is also called car loan bankruptcy. It is wrong to think that bankruptcy means end to the prospects of availing any financial loan. On the contrary, bankruptcy means you are starting your financial life, all afresh from zero.
Some of the factors that influence bad credit car loan are as follows.
Some lenders or creditors will reject your application the mo ... Tags: car loans after bankruptcy, car loans, bankruptcy car financing, car loan online, car loan with bad credit, new and used car loans bankruptcy car loan
- Help File Bankruptcy For Free
By: Steve | - People who file for bankruptcy are people who have trouble financially. It is normal to ask for help to file bankruptcy for free but the truth is that filing for bankruptcy cost money. All the forms, documents and other informational requirements needed to file bankruptcy usually cost money even if you do all the work alone. Normally, chapter 7 can be filed under 200$ and chapter 13 can be filed under 300$. This amount is without the cost of hiring attorneys and bankruptcy lawyers. Filing ... Tags: Help File Bankruptcy For Free
- After Bankruptcy Loan Choices: Secured Or Unsecured
By: Robart Watson | - There are secured and unsecured debts. Secured debts begin as a secured loan. The borrower pledges property such as a house, vehicle or assets as security. These assets then become a secured debt. If the borrower defaults on payments, the property can be used as security and sold to pay off the due debt. An unsecured loan has no assets attached for security use. Unsecured debts are value bills, telephone bills or credit card bills, etc. These bills can be discharged in bankruptcy such as in wh ... Tags: After Bankruptcy Loan Choices, guaranteed personal loan, gua
- Buying A Home After Bankruptcy-tips On How To Go About It
By: John Goldman | - Every year there are hundreds and thousands of people who file bankruptcy for several reasons and the common reasons among them is to erase all their consumer debts. Although filling a bankruptcy might relieve all the stress you should know that this bankruptcy is a damaging solution which would hang over you for almost the next ten years. However there are several possibilities to overcome bankruptcy and also possibilities for a bankruptcy house (house after bankruptcy).
The main ... Tags: Delaying the Process of Buying Home after Bankruptcy
- Is It Possible To Keep Home After Declaring Bankruptcy?
By: John Goldman | - Every year there are hundreds and thousands of people who file bankruptcy for several reasons and the common reasons among them is to erase all their consumer debts. Although filling a bankruptcy might relieve all the stress you should know that this bankruptcy is a damaging solution which would hang over you for almost the next ten years. However there are several possibilities to overcome bankruptcy and also possibilities for a bankruptcy house (house after bankruptcy).
The mai ... Tags: bankruptcy home, easy home loans after bankruptcy, how to get bankruptcy home loans?
- Bankruptcy Homes For Sale What Are Bankruptcy Homes And Guidelines On Buying A Home After Bankru
By: fionalivnat | - When a home owner falls behind his mortgage payments and is unable to repay the loan amount on his property, the lender or the bank forecloses the house which is now known as a bankruptcy home. Bankruptcy homes are resold by banks and other financial houses directly to interested homebuyers and investors through public auctions and other bankruptcy homes for sale avenues.
Meaning of bankruptcy homes
Bankruptcy homes for sale are popular amongst investors and pe ... Tags: Bankruptcy Homes, bankruptcy home, home after bankruptcy
- Getting Personal Loans After Bankruptcy
By: Bestyet77 | - Many people find themselves in a position that they had to file for bankruptcy because they just could not afford their debts. A lot of people feel that once they have file for bankruptcy, they will not be able to qualify for any type of credit or loans for years to come. That is just not the case! Here are a few steps that can help you with the process of getting approved for a loan or a line of credit. If you are new on your job, you really need to wait at lease 6 months before you apply for c ... Tags: personal loans after bankruptcy, personal loans, payday loans, payday loans guaranteed no fax, bad credit loans, guaranteed high risk personal loans
- Repair Your Credit After Bankruptcy
By: Shayne A Sherman | - Despite what you might think, a bankruptcy does not mean the end of good credit forever. It is quite possible to repair your credit after you have filed bankruptcy. For the most part, it might even be easier than if you still owed the bad debts and were trying to repair your credit reports. You must realize that repairing a bankruptcy on your credit will take some time and patience as all accounts associated with the bankruptcy will have to be cleared as well.
First of all, if you think th ... Tags: bankruptcy, filing bankruptcy, credit, credit after bankruptcy, credit repair
- Life After Bankruptcy - How To Start Over
By: April Claeyssens | - Bankruptcy is a necessary evil for over one million people in just the last fiscal year. Now that you've taken the required steps it's time to push forward and see that there is life after bankruptcy.
Bankruptcy is affecting the entire nation. We, as a country, have fallen prey to the government and some shady company practices. For the last 3 years the number of bankruptcy filings has increased substantially. So, now you've filed your bankruptcy. What should you do to improv ... Tags: life, after, bankruptcy
- Delaying The Process Of Buying Home After Bankruptcy
By: Charles Bretz | - Every year there are hundreds and thousands of people who file bankruptcy for several reasons and the common reasons among them is to erase all their consumer debts. Although filling a bankruptcy might relieve all the stress you should know that this bankruptcy is a damaging solution which would hang over you for almost the next ten years.
However there are several possibilities to overcome bankruptcy and also possibilities for a bankruptcy house (house after bankruptcy). The mai ... Tags: Loans, Foreclosure, Buying Home After Bankruptcy, Payday Loans, Debt Consolidation
- Credit Report After Bankruptcy
By: Charles Bretz | - The 3 major sources relating to obtaining the credit report are Trans Union, Equifax, and Experian, i.e. TRW. They would be providing information regarding the credit inclusive of all the loans, like car and house loans.
They would also be having information regarding credit card debts of yours, along with the other small loans. If you do not ask for the credit score, these reports can be obtained for free.
Debt Reduction bankruptcy Credit Report
The ... Tags: Bankruptcy, Loans, Foreclosure, Credit Report After Bankruptcy, Payday Loans, Debt Consolidation
- Instant Online Bankruptcy Loan Company
By: Sadhana Dhanyal | - Borrowers who have accumulated too many debts find it difficult to payback the debts. Over a period of time, due to their inability to pay the debts, they invite credit problems. When the problem gets out of hand, some of them consider opting for bankruptcy.
Bankruptcy should always be considered as the last option. If one can make use of other alternative means, then he or she should consider them. Instant online bankruptcy loan company can help borrowers know more about bankrupt ... Tags: personal loan after bankruptcy
- Bankruptcy Lawyer Kansas - Bankruptcy Lawyer Mississippi - Refinance After Bankruptcy 760
By: bankruptcylawdomain | - Hiring a lawyer in a bankruptcy case would prove to be very useful at all stages of the bankruptcy process. The truth is that many people forced into this situation are hard working people that have just been unlucky; bankruptcy lawyers know that it is the law surrounding bankruptcy protection that is the only thing there to help them. Filingpersonalbankruptcyhelp.com is a comprehensive resource to get help in Bankruptcy. Although the laws of the state of Louisiana are different from the laws of ... Tags: bankruptcy lawyer kansas, bankruptcy lawyer mississippi, refinance after bankruptcy
- Bankruptcy Law Ohio - Bankruptcy Lawyer Missouri - Refinance After Bankruptcy 194
By: bankruptcylawdomain | - Most lenders prefer to wait until two years after your bankruptcy before considering a person for a mortgage loan. Bankruptcy And Mortgage Foreclosures are reaching epidemic proportions in the United States. If you do not have the money for a down payment then you can consider borrowing from relatives. You can improve the terms and conditions of your loan by repairing your credit. Even though you have recently filed for a bankruptcy, you can get the finance you are looking for with the help of m ... Tags: bankruptcy law ohio, bankruptcy lawyer missouri, refinance after bankruptcy
- Bankruptcy
By: Phillip Allen | - People who are considering filing for bankruptcy may have already tried loans, consolidations and other methods of getting out of their debts, but failed. Filing for bankruptcy can have serious consequences for the borrower, as the bankruptcy will be recorded on their credit file for 6 years. The need for bankruptcy comes when people are not able to pay off their minimum balances on the credit cards, car payments and home payments. Debtors who are facing financial crisis and who are considering ... Tags: bankruptcy, avoid bankruptcy, bnkruptcy advice, filing for bankruptcy, after bankruptcy, avoid bankruptcy, avoiding bankruptcy, bankrupcy, bankruptcies
- Bankruptcy Loans: Equity Can Save Your Day
By: Melissa Kellett | - For those who have undergone a bankruptcy process, getting finance can seem almost impossible. Truth is that when a lender considers an application, a credit history stained with default or bankruptcy can scare him away. However, you can always obtain finance with the aid of the equity you have built on your home.
Anyone who tried to obtain a loan after bankruptcy knows that chances are that he will get declined. Bankruptcy is the worst stain that can be found on a credit report a ... Tags: bankruptcy process, bankruptcy, lender, credit history, loan, loan after bankruptcy, credit report, Equity loans, mortgage loan, home equity loan, unsecured loa
- Escaping Bankruptcy"€™s Effects With Equity
By: Melissa Kellett | - Bankruptcy has terrible effects on your ability to obtain finance. In order to solve this problem there are many things you can do. However, most of them will just take years to show effects and if you need finance sooner, you will not have that much time. Your home equity can aid you in getting approved for a loan even after bankruptcy. Learn how it is done!
The equity you have built on your home can save you from financial hazards especially if you have gone through a bankruptcy ... Tags: Bankruptcy, home equity, getting approved for a loan, getting approved for a loan even after bankruptcy, lenders, home equity bankruptcy loan
- Car Loan After Bankruptcy: Your Drive On The Wheel
By: Leon Smith | - It is no surprise that the UK is struggling with serious debt issues. Yet, a car loan after bankruptcy is a way to help recoup your credit record. The fact of this is that once the proceedings of bankruptcy close, you will get chances for availing a car loan.
Before you go any further, check your financial viability. Literally, determine whether you are ready and you can afford in a monthly car loan payment. Most of the things totally depend upon the gravity of your credit score ... Tags: car loan after bankruptcy, bad credit car loan, bad credit car loans uk, new car loans, car title loan
- The Chapter 7 Bankruptcy Law "€" The Pros And Cons
By: Miodrag Trajkovic | - It is better to realize as early as possible that going through a bankruptcy claim is not easy. People generally opt for it as their first remedy. You must know the bankruptcy laws well in order to decide.
The bankruptcy law has been crafted in a way to promote provisions that are a part of filling bankruptcy claims. It contains systematized laws that help the debtor to rid himself of any financial obligations that he has to undergo. The Chapter 7 bankruptcy law is in other words ... Tags: Bankruptcy Attorney, Chapter 11 Bankruptcy Law, Bankruptcy Law, Chapter 7, Credit After Bankruptcy, Filing For Bankruptcy
- Rebuild Credit Profile, Maintain Good Credit, And Get Credit After Bankruptcy With Rcacredit
By: Vikram kuamr | - When you loose the ability to pay your credits, you have the tendency to file for bankruptcy. Bankruptcy has become an escape goat for many who want to be free from financial obligation with creditors. With bankruptcy, the court will either extend your payment terms that would be favorable to your or you will have to pay the creditor in other ways like exchange it with property and equipments or from the purchase of the same. It would seem favorable on the debtors side especially on the part ... Tags: Bad Credit, rebuilding good credit, create good credit, establish good credit, establish credit, maintain good credit, get credit after bankruptcy
- Guaranteed Personal Loans Even After Bankruptcy
By: Kirthy Shetty | - Is Bankruptcy troubling you? Have you been discharged off bankruptcy and are now looking out for a financial succour? Don't brood over your past credit history, as special loans are designed by our online lending institutions to cater to your financial needs after bankruptcy.
Do not despair, as help is available through online lenders who can provide financial support during these times of financial difficulty. Think wisely and carry out sound research online to find your bes ... Tags: Guaranteed Personal Loans even after Bankruptcy, Loans after bankruptcy, Home loans after bankruptcy, Filing bankruptcy uk, Chapeter 13 Bankruptcy loan
- Getting A Home Loan With Bad Credit Or After Bankruptcy
By: Jona | - Life can throw some hard curves at us, leaving us with no option but to file for bankruptcy. Let's face it, filing for bankruptcy can be very detrimental to someone's financial status. Sometimes having bad credit or no credit is better than having a bankruptcy show up on your credit report.
When your credit report shows that you had a bankruptcy on it, it can be very difficult for you to obtain credit in certain areas such as; credit cards, buying a car, and even pur ... Tags: home loan bankruptcy, loan after bankruptcy, bad credit home loan
- Credit Repair After Bankruptcy Solutions!
By: Kirthy Shetty | - Damaged credits? Unable to take any further loan? Are your credits affected due to your bankruptcy filing? Credit Repair after Bankruptcy solutions is here to help you out.
If you are trying to repair bad credit, you are either trying to repair your credits yourself or use credit repair advice or services. Do you want to fix up your challenged credit report so that you do not get turned down for loans when you need them? Reach out for help from a reliable and sound credit repair ... Tags: credit repair after bankruptcy, credit repair advice, credit repair solutions
- How To Get Credit Or A Mortgage After Filing Bankruptcy
By: Jona | - Are you thinking of filing for bankruptcy? If so, make sure that you have a good look at all your options. Bankruptcy should be considered only as a last resort. Many people who have filed in the past say now that they wish they had investigated other options more completely before they filed. However, sometimes bankruptcy really is the best option. Once you file, you'll be looking at things from a better financial position.
Many people think that once they file for bankrupt ... Tags: filing bankruptcy, credit after bankruptcy, mortgage after bankruptcy
- Applying For A Credit Card After Bankruptcy
By: Ed Vegliante | - Have you filed recently for bankruptcy? Are you worried that your chances for credit are gone? If so, here's some good news: you can still get a credit card. And here's some better news: you can start taking steps immediately to rebuild your credit. With careful planning, you'll soon be back on financial track. Read on to learn more about applying for a credit card after bankruptcy.
Credit After Bankruptcy
A bankruptcy filing can stay on your credit report for up t ... Tags: credit card after bankruptcy, apply, credit cards, bad credit credit card, poor credit, bankruptcy
- Life After BankruptcyÃ"'¦.now What? 5 Ways To Repair Your Credit After Bankruptcy
By: Roxanne Manning | - Bankruptcy is a distressing, stressful but ultimately a freeing experience for millions of Americans every year. Bankruptcy turns out to be a double-edged sword. Depending on which type of bankruptcy you file, you are either relieved of all of your debt through the liquidation of your assets, or you may be making monitored payments to your debtors.
This may prove to be quite beneficial. Your financial life is finally under control. However, because bankruptcy is perhaps the w ... Tags: after bankruptcy, repair your credit after bankruptcy, bankruptcy
- Five Ways How A Credit Monitoring Service Can Help Post-bankruptcy Individuals Rebuild Their Credit
By: Dul Azogue | - If you are bankrupt and rebuilding credit, it will be helpful to monitor your progress as you add more positive information to your credit report. And one way to monitor your progress is by using a credit monitoring service.
When you declared bankrupt, you know how hard it is to raise your credit score again. At this point you know that you should take extra care and precaution in keeping your credit score safe from, or else you might become the next victim of identity theft. Bank ... Tags: Credit monitoring service, rebuild credit after bankruptcy
- Why Is Filing Chapter 7 Bankruptcy A Good Plan?
By: Andrea Jordan-Hughes | - Why Is Filing Chapter 7 A Good Plan?
Often times, it is common to hear people say negative things about those that file Chapter 7. Yet, those that have done this are the first to tell you just how beneficial it is to their lives. Is it a good thing? Is it cheating others of what you owe them? For each person there is a different outlook on this, yet the bottom line is quite clear. The fact is that people are seeking help when they are seeking Chapter 7 and by far most cases are from t ... Tags: after bankruptcy buying a home;after bankruptcy credit cards;after bankruptcy foundation;answers to bankruptcy questions;apply for a loan after bankru
- How Can You Quickly Recover From Bankruptcy
By: Andrea Jordan-Hughes | -
Bankruptcy is the last resort that people turn to in order to deal with their major debts. Nobody ever wants to declare bankruptcy; however it is still a fact of life when you get in over your head. Bankruptcy is not something that you should be playing with. There are many people that will declare bankruptcy because they think this is an easy way out of debt. That is not true. In fact, declaring bankruptcy makes life quite a bit harder.
While many people need to file for bankrupt ... Tags: after bankruptcy buying a home;after bankruptcy credit cards;after bankruptcy foundation;answers to bankruptcy questions;apply for a loan after bankru
- Debt And The Risk Of Bankruptcy
By: Keith George | - If your debt situation has not yet reached a point of no return, credit counseling and debt management may be the best option for you. There may be other alternatives to going bankrupt which can also help people in serious debt to make a fresh start.
How can you avoid bankruptcy. Knowing some important aspects of bankruptcy can help make your debt burden much easier to manage and can help you avoid hassles in the near future. You will have to avoid missing records and bad checks t ... Tags: bankruptcy loans, bankruptcy car loans, loans after bankruptcy, loans bankruptcy, bankruptcy home loans
- Bankruptcy Information: A Helping Hand In Trying Times
By: Reethi R | - Bankruptcy is a phrase heard and used by many. Individuals tend to have pre-conceived notions about bankrupts that they are individuals who are totally broke. But bankruptcy information can be a real eye opener for debtors who are contemplating bankruptcy and individuals who are seeking information about bankruptcy. It helps debunk all the myths attached to bankruptcy.
1)What is bankruptcy?
Bankruptcy is a legal term to formally identify an individual as bankrupt. ... Tags: Avoid bankruptcy information lows court bankruptcy credit, credit card after bankruptcy, bankruptcy record, bankruptcy code, chapter 7 bankruptcy law,
- Using A Bankruptcy Lawyer
By: Ken Charnly | - The decision to file bankruptcy is often a difficult one to make. Because of this, when you choose to do so, you want to be sure you have the right lawyer to help you with the mountains of paperwork you will undoubtedly fill out and file. That is why it is important to understand just how using a bankruptcy lawyer can benefit you.
Bankruptcy laws are complicated, and can be difficult to understand. A bankruptcy lawyer will know and understand these laws, and can help you file th ... Tags: Bankruptcy Information, bankruptcy car loans, bankruptcy faqs, credit after bankruptcy
- Credit Card After Bankruptcy
By: Ken Charnly | - It is possible to get a credit card after bankruptcy.
While the thought of a bankrupt individual having credit cards soon after filing a Chapter 7 or Chapter 13 bankruptcy may seem like a bad idea to some people, the opposite is true. Credit cards after bankruptcy are fairly easy to obtain and if used wisely they can help people reestablish their credit history and credit reputation after a bankruptcy.
Paying your credit card bill on time and not going over your spending limit wi ... Tags: bankruptcy loans, bankruptcy faqs, credit after bankruptcy, bankruptcy home loans
- Credit After Bankruptcy Is Possible
By: Ken Charnly | - Credit after bankruptcy is available, it will be harder to obtain but it is possible. Having been made bankrupt may seem to be the worst thing you could ever do and you may think that you will never get credit again. However there are companies more than happy to extend people credit after bankruptcy.
The interest rate you pay for credit after being made bankrupt will be higher and the penalties for late payment may be larger but that is a small price to pay for getting your cred ... Tags: bankruptcy loans, bankruptcy faqs, credit after bankruptcy, bankruptcy home loans
- You Can Get A Mortgage After Bankruptcy
By: Ken Charnly | - It is possible to obtain a mortgage after bankruptcy. In fact, it may be easier to get a mortgage after bankruptcy than other forms of credit. Many prospective homeowners who have a bankruptcy on their credit jump onto a high rate home loan. However, if you can wait 24 months after you case has closed you can usually qualify for an FHA loan.
When you get a mortgage after bankruptcy, you should be very careful about the cost of the house you are purchasing. A house payment that is ... Tags: bankruptcy loans, bankruptcy faqs, credit after bankruptcy, bankruptcy home loans
- Bankruptcy Student Loans
By: Ken Charnly | - In the past, bankruptcy could be declared on most any debt. Going Bankrupt with student loans was fairly common. In 2005 the bankruptcy laws were changed, the changes that were made in the Bankruptcy Code have effectively stopped an individual from being able to file bankruptcy due to student loans - no matter how old the student loan may be.
Unless you can prove that you are in dire hardship, the only way that filing bankruptcy benefits people with student loans is that the bankr ... Tags: bankruptcy loans, bankruptcy faqs, credit after bankruptcy, bankruptcy home loans
- Bankruptcy Personal Loans: What You Should Know
By: Ken Charnly | - The repercussions of a bankruptcy can weigh on you for up to ten years. In the past it was difficult to get a personal loan after bankruptcy. Today, bankruptcy personal loans are advertised in such a way that they are enticing to those who are trying to repair their credit ratings and they are gobbled up by people who have recently filed bankruptcy. You should be careful that you are not making your situation worse when you apply for bankruptcy personal loans and credit cards.
You ... Tags: bankruptcy loans, bankruptcy faqs, credit after bankruptcy, bankruptcy home loans
- Bankruptcy Credit Repair
By: Ken Charnly | - Bankruptcy credit repair information can easily be found online, however just because a site offers financial information on how to repair your credit after a bankruptcy it doesn't mean that it is good information.
When looking for information on repairing your credit after a bankruptcy you need to find a good financial website that will be able to help you find the answers to those hard questions that you must ask about bankruptcy credit repair. While everyone needs financial adv ... Tags: bankruptcy loans, bankruptcy faqs, credit after bankruptcy, bankruptcy home loans
- Mortgage After Bankruptcy: These Steps Could Help
By: R. Lawrence Anderson | - If you want to increase your chances of qualifying for a mortgage after bankruptcy, here are some steps you can take:
First, if you plan to apply for a mortgage after bankruptcy, you will want to have any inaccurate or obsolete negative information on your credit reports corrected or removed. This can help increase your credit score.
Also, you will want to establish some new accounts, and pay them in a timely manner over time. If you've paid the accounts on time for ... Tags: mortgage after bankrupty, buying a home after bankruptcy, bankruptcy mortgage, bankruptcy
- What You Should Know About California Bankruptcy
By: Ken Charnly | - When the 2005 Bankruptcy Act was created, this affected the bankruptcy laws in California, as well as other states across the country. Within this act, those involved in California bankruptcy are required to participate in credit counseling. This participation must occur within 180 days of the bankruptcy filing. Furthermore, any person filing for bankruptcy is also required to complete a course in financial management.
This means that any California bankruptcy filer must have an e ... Tags: California bankruptcy, bankruptcy loans, bankruptcy faqs, credit after bankruptcy
- Loan After Bankruptcy: Steps To Take Before You Apply
By: R. Lawrence Anderson | - When it comes to a loan after bankruptcy, here are some steps you can take before applying which could increase your chances of qualifying.
First, work on increasing your credit score. This is very important, because most lenders will review your credit report when deciding whether or not to extend you a loan after bankruptcy. This is true
whether you are talking about a car loan after bankruptcy, a conventional home loan after bankruptcy, or a personal loan after bankruptc ... Tags: loan after bankruptcy, bankruptcy loan, bankruptcy car loan, home loan after bankruptcy, bankruptcy
- Mortgage & Refinancing After Bankruptcy "€" You Can Re-build Your Credit
By: Dean Shainin | - There are creditors who are willing to offer credit in order to help people regain their financial status in life. They offer credit, loans and mortgages.
In order to regain what was lost from bankruptcy, we need to have the following reminders: that there is no such thing as forever in credit, secure and use a credit in order to reconstruct your credit status., there are no mistakes but lessons to learn, examine and evaluate your credit report, be sure to have a credit card tha ... Tags: bankruptcy, bankruptcy law, refinancing after bankruptcy, bankruptcy chapter 7, bankruptcy chapter 11
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