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Start Fresh Today Bankruptcy Blog

Does Bankruptcy Relieve Me of All My Outstanding Debts?

Posted on Thu, Oct 06, 2016 @ 15:10 PM

Filing for bankruptcy is not something to be taken lightly, it's intended to help those that have found themselves in financial trouble. The idea is to give an individual the opportunity to have a fresh start, thus allowing them to become financially sound once again.

As a debtor considering bankruptcy, there's no doubt you have many questions about the process and how it will affect you. One of the most common questions is: does bankruptcy relieve me of all debts? The simple answer is that no, not all of your debts will be relieved. Debt dismissal really depends upon the type of debts you have and when they were incurred.

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Tags: Debts in Bankruptcy

Am I Living Beyond My Means? — 5 Warning Signs

Posted on Wed, Sep 28, 2016 @ 10:09 AM

In today's overindulgent world, it can be very easy to fall in the trap of living beyond your means. ”You only live once“ and ”You deserve it“ are phrases you likely find yourself hearing on a regular basis, and with streets lined with restaurants and shops, temptation can quickly get the best of you.

After all, why wouldn't you just stop in and grab a new pair of shoes? You have a credit card, so finding money won't be a problem at all, right?

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Tags: Over spending

Can I Keep My Home and Car When I File for Bankruptcy?

Posted on Fri, Sep 23, 2016 @ 09:09 AM

Filing for bankruptcy is never an easy decision. For many people, however, the thing that you question most is whether or not you'll be able to keep the items that are most important to you.

Your car, for example, is your source of transportation. Without it, you won't be able to get to work, which means that you'll be digging yourself even deeper into debt. Your home is priceless--and coming up with the money for a deposit on a new residence, especially in the middle of bankruptcy proceedings, sounds impossible.

That leaves you wondering, "Can I keep my house and car when I file for bankruptcy?"

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Tags: assets in bankruptcy

8 Game Day Tips to Help You Save Money

Posted on Fri, Sep 16, 2016 @ 12:09 PM

With football season now in full swing, there are plenty of opportunities to get in on the fan fun. If you're on a budget, it doesn't mean you have to say on the sidelines. 

Whether you're hosting a game day party at home or tailgating at the game, following these key budget tips will help you save. You don't have to spend a fortune to have a ton of fun on game day!

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Tags: Money Saving Tips, Game Day, football season

The Company is Bankrupt, but Sports Authority Executives will still get Bonuses

Posted on Wed, Sep 07, 2016 @ 10:09 AM

Consumer and employee advocates cheered a ruling from U.S. Bankruptcy Judge Mary Walrath earlier this summer that blocked proposed aggregate executive bonuses of $2.85 million earlier this summer. However, the executives had argued that they deserved the bonuses for their efforts in marshaling the remaining inventory of Sports Authority in what is one of the largest bankruptcy liquidations of a retailer in U.S. bankruptcy history.

The Judge later relented and authorized the bankrupt Sports Authority to pay up to $1.5 million in bonuses to three unnamed executives. The company's 14,000 employees whose jobs have disappeared and its creditors who are left with pennies on their Sports Authority debt are undoubtedly not pleased with this ruling. It does, however, reflect the difficulty and complexity of shutting down the operations of a once-thriving entity.

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Tags: Bankruptcy News

Save Tons Of Money With These Financial Apps

Posted on Tue, Sep 06, 2016 @ 07:09 AM

Smart phones can help to make our lives more productive in many ways, and when it comes to finances, there are many helpful apps available.

When saving money is your goal, you will find that using the following financial apps can help you on your journey.  

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Tags: Money Saving Tips, financial apps

Tips for Getting Physically (and Financially) Fit

Posted on Thu, Sep 01, 2016 @ 12:09 PM

One of the biggest reasons many people find themselves falling into bankruptcyis medical debt. A single hospital stay, a long illness that makes it impossible to work, or ongoing health related concerns can cause medical bills to keep piling up.

Staying physically fit is one of the best ways to stay financially fit--but it often seems as though it costs more money to get healthy than it does to visit the doctor! Expensive gym memberships, organic food, and other expenses can add up fast. The good news is, there are plenty of inexpensive ways to ensure that your health is top priority. 

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Tags: Financial Tips

A Bankruptcy Judge Denies $2.85 Million in Sports Authority Executive Bonuses

Posted on Sat, Aug 27, 2016 @ 08:08 AM

In March, Sports Authority became the first major retailer of 2016 to file for Chapter 11 bankruptcy protection after its restructuring plan failed to revive the company's retail store operations. In May, after it failed to reach a deal with its creditors, the company announced that it would close all of its stores and cease operations.

Perhaps in demonstration of more corporate audacity than was merited, the company's Board of Directors approved a bonus pool for senior executives as an incentive to minimize theft losses during its liquidation, but a U.S. Bankruptcy Judge Mary Walrath denied the $2.85 Million in bonuses that was to be paid to Sports Authority executives. Consumer and employee advocates are now lauding her as their latest hero in the ongoing conflict between highly-paid executives and the remaining "99%".

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Tags: Business Bankruptcy

Obtaining Your Bankruptcy Certificates: A Quick and Helpful Guide

Posted on Wed, Aug 24, 2016 @ 09:08 AM

Life has a way of throwing curve balls and when it does, it can seriously affect your finances. While most people have the best intentions for paying their bills and taking care of their responsibilities, certain circumstances may arise where filing bankruptcy is the best route to take. If you are considering this option, Bankruptcy Law requires counseling prior to and after filing to help you make the most informed decision. Once the courses are complete, you receive a bankruptcy certificate for each. These documents are required before you file Chapter 7 or Chapter 13 bankruptcy, and again after the filing but before the debts are discharged. Continue reading to learn more about the required courses and the necessary bankruptcy certificates

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Tags: Bankruptcy Certificates

5 Steps to Recovering After Filing For Bankruptcy

Posted on Sat, Aug 20, 2016 @ 10:08 AM

Filing for bankruptcy is a life-changing decision. After doing so, you may feel like there is no real way to recover from your financial situation. However, recovering from bankruptcy is not impossible, and can even be quite painless if you set your mind to it. 

Here are five steps you need to take to be on your way to recovery.

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Tags: After Bankrutcy Tips

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