Bankruptcy Basics

Bankruptcy is a mechanism governed by federal law which allows individuals or corporations to obtain relief from debts that they cannot afford to pay.

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 Chapter 7

Under Chapter 7, the debtor’s assets / personal property are liquidated /sold and the proceeds are used to pay creditors.

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 Chapter 13

Chapter 13 bankruptcy typically applies to individuals who have enough money to pay their living expenses, but not enough income to completely/promptly pay other outstanding debts.

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Bankruptcy Blog  


Today, the Department of Education announced that it does not plan to implement new rules designed to protect students in online degree programs from being taken advantage of by schools that load students up with debt but offer useless degrees. The “Program Integrity and Improvement” rules (also known as the “State Authorization of Distance…

by Sherry Ellis  Comments (0)
The National Consumer Law Center’s Student Loan Borrower Assistance Project is a resource for borrowers, their families, and advocates representing student loan borrowers. Visit –
Sherry Ellis, P.A.


Sherry F.  Ellis has been interested in helping improve other people's lives since she her early days as Director of one the Adolescent Chemical Unit at a local Residential Psychiatric Facility ...

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