Many people struggle with overwhelming debt and wonder if they can file for bankruptcy more than once. The answer is yes—but there are strict rules and waiting periods depending on whether you previously filed Chapter 7 or Chapter 13. Understanding these rules, along with strategic considerations for credit cards, medical bills, and student loans, can help you rebuild your financial future responsibly.

A bankruptcy discharge releases debtors from personal liability for most debts, offering a financial fresh start. Learn what debts are discharged, what debts aren’t, and how discharge works under the Bankruptcy Code.

Red Lobster’s Chapter 11 filing was more than a headline — it exposed how risky promotions, bloated footprints, and an ownership swap with private-credit backers reshaped a once-ubiquitous brand. This post explains the bankruptcy, the post-Chapter-11 playbook, and why customers, workers, and rival chains should pay attention.

Spirit Airlines has filed for Chapter 11 again, seeks up to $475M in DIP financing, and plans sweeping fleet and route cuts. Here’s what that means for travelers, employees, competitors — and the future of the ULCC model.

Many people wonder whether a criminal conviction prevents them from filing bankruptcy. The short answer is no—but there are important limits. Bankruptcy can help eliminate certain debts, but it cannot erase criminal fines, restitution, or penalties tied to a conviction.

The One Big Beautiful Bill marks a turning point for student loan borrowers. With repayment plans simplified, income-driven options like RAP, and updated bankruptcy guidance, 2025 brings new opportunities for relief. Here’s what you need to know to navigate repayment, forgiveness, and potential discharge.

Many non-citizens wonder if they can file for bankruptcy in the United States. Under Section 109(a) of the Bankruptcy Code, non-citizens—including foreign nationals, permanent residents, and non-immigrant aliens—can qualify as debtors if they reside, have a domicile, a place of business, or property in the U.S. Even minimal U.S. property, such as a bank account, can establish eligibility. However, claiming state-specific exemptions may depend on the debtor’s immigration status and intent to reside in a state. Understanding these rules ensures non-citizens can access bankruptcy protection when needed.

Worried about “burning creditors” when filing for bankruptcy? While creditors may be frustrated, bankruptcy is a legal process that protects you and your finances. Learn how filing affects creditors, your rights, and strategies to handle debt responsibly for a fresh financial start.

Balance chasing is a frustrating credit card practice where issuers lower your credit limit as you pay down debt. This keeps your credit utilization ratio high, hurting your credit score even when you’re making progress. While legal, balance chasing can make it feel impossible to get ahead financially. Learn why banks do it, how it impacts your credit, and what steps you can take to protect yourself—including when it may be time to consider bankruptcy for a true financial fresh start.

Learn the difference between Subchapter V and Chapter 11 bankruptcy. Serving Orange County, CA. Call Bankruptcy Near Me for a free consultation.

You filed pro se and now the Chapter 7 Trustee wants to sell your car, home, jewelry or a family heirloom. Can you stop them? Why can a Chapter 7 Trustee do this and what authority are they given? Once a Chapter 7 is filed, you unfortunately cannot voluntarily dismiss your Chapter 7 so it is good to have a professional look at your case thoroughly so you understand the legal ramifications that will apply to your case, whether you are aware of them or not at the time of filing your case.

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