A Helpful Guide to Chapter 13 Bankruptcy

Filing for bankruptcy when debts become unmanageable is one important way in which a person can regain control of their financial life. Bankruptcy is one of the fastest legal solutions to save yourself from creditors and their various tactics in harassing you to pay what you owe. They will hound you through endless phone calls at home and at the office, notice of eviction and notices from law firms; they can even have a part or your full wages garnished (withheld for payment to creditors directly or through the court) or your bank account levied (frozen and seized).

Many debtors facing such a situation understandably become stressed, overwhelmed, and anxious. Fortunately, after speaking with a professional who is knowledgeable about bankruptcy, such as a bankruptcy lawyer, a debtor can evaluate their situation and options in order to formulate a plan to alleviate their financial problems. In this situation, bankruptcy is often a beneficial option.  Depending on the party filing for bankruptcy, one of the many forms of bankruptcy may be more applicable or beneficial than another. The major forms of bankruptcy include:

  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy
  • Chapter 12 Bankruptcy

Once a party files for bankruptcy, one immediate benefit they will typically receive is the automatic stay which will automatically stop any lawsuit filed against you by your creditor, the garnishment of your wages and other forms of harassment, and collection by your creditor. Bankruptcy can also discharge some or all of your debts.

Opting for Chapter 13 Bankruptcy

While Chapter 7 bankruptcy is often a popular choice of bankruptcy for debtors as it eliminates many of their debts, Chapter 13 bankruptcy is a beneficial alternative, as it lets you keep all of your properties while your debts are restructured for a single monthly payment. This restructuring is intended to enable you to make affordable payments over a period of 3 to 5 years. After continuous payment for 5 years, whatever remaining balance there still is could potentially be discharged.

As Chapter 13 bankruptcy also eliminates further interests and penalties on debts, it definitely can serve as the best solution to a worry-free and controlled financial life again.

What Families Should Know About Nursing Home Abuse


As parents and grandparents age, it can be hard to deal with their needs, which is why most people prefer to put them in nursing homes. These health care facilities are aimed to accommodate and look after the aging community and ensure that their needs are met. Although it may be emotionally hard to be away from your loved ones, it would be more beneficial for them to stay in such facilities to make sure their needs are met with proper care.

However, there can be instances where even the people you trust in nursing homes would abuse your loved ones. Nursing home abuse is already on the rise, and it is estimated that one in every three nursing homes are alleged for elderly abuse, be it physical abuse, financial abuse, or even sexual abuse. And because the elderly are amongst the most vulnerable, these abuses should never be taken lightly, therefore contacting reliable nursing home abuse attorneys would be the next step if you think your loved one has fallen victim of such circumstances.

Among the many types of abuse that happen in nursing homes, physical abuse is one of the most damaging and obvious abuses that can occur to the elderly. This type of abuse is very rampant in American nursing homes, and although most signs are obvious, there are also subtle and hidden symptoms. Physical abuse is described as intentional use of physical force towards the elderly, which can cause pain, impairment, and even death. For nursing homes, physical abuse can also account to improper use of medications or prescription drugs, which could pose harmful effects to the health of the resident.

Most elderly people often hide their abuse and prefer to not talk about it, mainly because of fear. This can also be because they have been threatened with further abuse and violence if they speak out about it. When you think someone you love is being physically abused in their nursing homes, make sure to inform their doctors, the head of the nursing home and the police about the abuse. Gather evidence and consult nursing home abuse attorneys on how to proceed in protecting your loved ones from further harm.