Are student loans dischargeable in bankruptcy? Yes. While not automatic, student loans can be discharged through bankruptcy by proving undue hardship in an adversary proceeding. Courts are approving more student loan discharges than ever before, and many borrowers qualify without realizing it. Speaking with a bankruptcy attorney is the first step to finding out if relief is possible in your case.

Can I use Afterpay during Chapter 13 bankruptcy? In most cases, no. Afterpay is considered new post-petition debt, and using it during an active Chapter 13 case without trustee or court approval can violate your repayment plan and put your bankruptcy at risk. Before using any buy now, pay later service, you should speak with a bankruptcy attorney to avoid objections, delays, or possible dismissal of your case.

Can I use Klarna while in Chapter 7 bankruptcy? In most cases, no. Klarna is considered new credit, and using it during an active Chapter 7 case can create serious problems with the bankruptcy trustee, including delays in discharge or questions about bad faith. Any Klarna purchases made after filing are not discharged and may jeopardize your case. Most bankruptcy attorneys strongly recommend avoiding Klarna and other buy now, pay later services until after your Chapter 7 discharge.

Cancelling or dismissing a bankruptcy case isn’t always simple. Chapter 7 debtors have no automatic right to dismiss and must show “cause,” while Chapter 13 debtors can dismiss their case at any time. Understanding the rules, risks, and court requirements is crucial before requesting dismissal. Here’s what you need to know.

If a federal government shutdown delays SNAP (food stamp) payments, you may still be able to get help from your state human services agency, local food banks, and community resources. During shutdowns, the USDA may use contingency funds to keep some benefits flowing, but payments can be delayed or reduced depending on state action.

To check your status, log in to your state’s SNAP or EBT account, or call the number on the back of your EBT card for updates. Many states—such as New York, Maryland, and California—post shutdown alerts and emergency instructions on their official SNAP websites.

If your benefits are delayed, contact your local food bank through FeedingAmerica.org/find-your-local-foodbank, or dial 2-1-1 for free, confidential referrals to nearby food pantries, meal programs, and cash assistance. Parents can also check with school meal programs or WIC offices for emergency support.

For legal help or denied benefits, reach out to your local Legal Aid office.
Stay informed by visiting your state SNAP website and following trusted nonprofit organizations for updates on SNAP benefits, EBT payments, and food assistance during government shutdowns.

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.