Justin Baxter

How Foreclosure Statistics Could Affect Bankruptcy in Vancouver, Washington

Though the Columbian newspaper has reported that foreclosures statewide, Clark County (which includes Vancouver, WA) remains fourth in the state for number of foreclosures, and fifth in the state for percentage of homes in foreclosure. Cite: Foreclosures ... Read >

Record Foreclosures for 2010: Stopping Foreclosure in Bankruptcy

The most recent foreclosure report from Realtytrac indicates that foreclosures in the United States have hit record levels in 2010. This is all the more astounding, given the self-imposed moratorium on foreclosure proceedings by several of the major home... Read >

Anemic Housing Market Means Debtors Can Eliminate Second Mortgages Through Bankruptcy

Home prices continue to languish badly in spite of signs of a slowly recovering economy. While many people who found themselves unemployed as a result of the financial meltdown of 2008, the housing market has struggled even more to recover. Local markets ... Read >

New Bankruptcy Statistics From Vancouver WA Bankruptcy Court

The United States Bankruptcy Court for the Western District of Oregon has just released new bankruptcy statistics for January through May of 2010. Consistent with filing patterns in other parts of the country, the high numbers of individuals filing for ... Read >

Remedies for Attempt to Collect Debts Included in Bankruptcy

Remedies for Attempt to Collect Debts Included in Bankruptcy One of the most important benefits of filing for bankruptcy is that it will stop collection calls, letters, and other activities by debt collectors. This includes garnishments, lawsuits, and... Read >

Debunking Myths about why People File for Bankruptcy

Debunking Myths about why People File for Bankruptcy A common misperception about bankruptcy is that people who file for bankruptcy were irresponsible with their finances, or recklessly incurred debt they could not repay. While these circumstances cer... Read >

I’ve Filed for Bankruptcy in the Past; Can I File Again?

I've Filed for Bankruptcy in the Past; Can I File Again? Yes. A person can file for bankruptcy more than once, but you may have to wait a particular amount of time since the last time you filed for bankruptcy in order to obtain a discharge of your cur... Read >

The Effect of Filing for Bankruptcy on a Home Foreclosure

The Effect of Filing for Bankruptcy on a Home ForeclosureIn the years leading up the recent financial crisis, the housing bubble spurred a dramatic rise in new home ownership. At the same time, many of the nonconventional mortgage schemes (also known as "... Read >

What can Credit Card Companies do if I’m Late on my Payment?

What can Credit Card Companies do if I'm Late on my Payment? Falling behind on credit card payments, or "defaulting" has risen to record levels as a result of the economic downturn, job loss, rising cost of health care, and the tanking housing market. ... Read >

What To Do If You Are Sued By A Credit Card Company

What To Do If You Are Sued By A Credit Card Company Being sued by a credit card company, a debt collection agency, or other creditor can be a stressful and frightening experience. The most important thing for a person who has been sued is not to ignor... Read >

The Process of Filing for Bankruptcy

The Process of Filing for Bankruptcy The procedural aspects of the bankruptcy process are governed by the Federal Rules of Bankruptcy Procedure and local rules of each bankruptcy court. The Bankruptcy Code, Federal Rules of Bankruptcy Procedure, and l... Read >

Basic Information About Bankruptcy

How will Filing for Bankruptcy Affect my Credit? Bankruptcy is a life changing event in any person's life, with long lasting consequence. For example, a record of the bankruptcy will appear in the Public Records section of your consumer credit report ... Read >