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Elissa Westbrook-Smith

Elissa Westbrook-Smith’s Legal Guides

15 total


  • Holiday OverSpending & Bankruptcy

    With the holidays approaching, most people are stressed about their finances and the long list of gifts they need to buy. It is common for people to decide they will spend what they need for Christmas, then deal with it in January and February. Unfortunately, when 2013 arrives, p...

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  • What is “Chapter 20″ in Bankruptcy?

    You may have heard people refer to a Chapter 20 bankruptcy, even though though it technically does not exist. A "Chapter 20" is the combination of a debtor filing a Chapter 7 and Chapter 13, one right after the other. This occurs in situations where a debtor's financial troubles ...

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  • Objections to Dischargeability….It isn’t always a large creditor!

    Pusuant to 11 U.S.C. 523, certain debts can be deemed not eligible for dischargein a bankruptcy case. Examples include past due child support and damages arising from a DUI. Debts like student loans are only dischargeable in very limited cases. Most dischargeability challenges ar...

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  • Secured Credit Cards in Bankruptcy

    The two most common types of debt in a bankruptcy filing are secured and unsecured debt. Generally, credit card debt is unsecured and eligible for discharge. However, some credit card debt is secured. To read more about the differences between secured and unsecured debt, read our...

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  • Protect your identity!

    Protecting your identity is harder in todays world of technology. However, it is worth the effort to insure that your financial security is not put in jeopardy. It is always important to monitor to your credit reports for any inaccuracies. You are entitled to one free report each...

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  • Filing Bankruptcy……What does “full financial disclosure” mean?

    When you file a Chapter 7 or Chapter 13 bankruptcy case, the court requires you to make full financial disclosure. In general, this means you have to inform the court of everything you own and everything you owe. You will need to provide a list of all of your creditors and the de...

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  • Bankruptcy: Where can your business file?

    Most people are aware that individuals seeking to file a bankruptcy case must file in the district where that person has his domicileor residence. But, where does your business file bankruptcy? The answer may not seem so clear, especially if your business is located in several lo...

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  • Co-Signors & How YOUR Bankruptcy Can Protect Them

    In todays economy, it is common for borrowers to need a co-signor in order to qualify for a loan. Most co-signors are parents, spouses, other relatives, or close friends of the borrower. Thus, when a borrower begins to contemplate filing a bankruptcy, he or she is often worried a...

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  • Should Senior Citizens File Bankruptcy?

    Many people believe that once you achieve senior citizen status, the special privileges you receive extend to the bankruptcyprocess. While there may be a few minor differences when a bankruptcy is filed by a senior citizen, in general, everything stays the same. In other words, i...

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  • HOA Fees in your Pennsylvania Bankruptcy Case

    Debtors are often surprised to learn that they can be held personally liable to pay their homeowners association (HOA)fees after filing for bankruptcy protection. This is true even if the debtor has moved out of the home and intends to surrender the home back to the mortgage lend...

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