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The Road Out of Debt + Website. Bankruptcy and Other Solutions to Your Financial Problems. Edition No. 1

  • ID: 2214989
  • Book
  • September 2010
  • 400 Pages
  • John Wiley and Sons Ltd

A practical guide to getting out of debt and understanding the option of personal bankruptcy

The current credit and financial crises have prompted Joan Feeney, a preeminent Massachusetts Bankruptcy Judge, and Theodore Connolly, a Finance and Bankruptcy Attorney, to write a book that will help people handle their financial troubles. The Road Out of Debt seeks to assist those considering bankruptcy by demystifying the bankruptcy process and explaining what you can expect to gain (or lose) from it.

With the insights of both a bankruptcy judge and a bankruptcy lawyer, you'll be able to determine when it's best to avoid bankruptcy, when you should seek bankruptcy protection, and, most importantly, how best to work through the bankruptcy process, if you so choose. With millions of Americans personally facing dire financial situations, job losses, home foreclosures, and other major financial challenges, no book could be more timely.

  • An exceptional resource for anyone contemplating bankruptcy or otherwise trying to figure out how to handle their debt
  • Puts the bankruptcy process in perspective and reveals specific steps to follow
  • Discusses how to decide whether or not bankruptcy is the right path for you
  • Written by a well-respected bankruptcy judge and bankruptcy attorney

As more people find themselves entering financial difficulties, an increasing number of them will need information to help them through these problems. The Road Out of Debt provides you with the serious solutions needed to overcome a personal financial crisis.

Note: Product cover images may vary from those shown

Acknowledgments xi

Preface xiii

Introduction 1

Part I A Road Map to Debt Relief

Chapter 1 Getting Started 13

Chapter 2 Negotiating Your Way Out of Debt 23

Chapter 3 Fighting Back 33

Chapter 4 Budgeting Your Way Out of Debt 47

Chapter 5 The Danger of Quick Fixes 65

Chapter 6 Debt Counselors: How to Tell the Bad from the Good 85

Part II Finding Your Way Using Nonbankruptcy Solutions

Chapter 7 The Way Out of Credit Card, Medical, and Student Loan Debt 103

Chapter 8 Foreclosure Basics and Rescue Scams 123

Chapter 9 Sizing Up Your Mortgage Debt 139

Chapter 10 The Way Out of Mortgage Debt 153

Chapter 11 The Way Out of Auto Debt 167

Chapter 12 The Way Out of Tax Debt 185

Part III When to Take the Bankruptcy Route

Chapter 13 Is Bankruptcy Right for You? 209

Chapter 14 21 Bankruptcy Myths 217

Chapter 15 Overview of Bankruptcy Types 229

Chapter 16 Understanding the Bankruptcy Process 237

Part IV Road Trips: Six Case Studies In Bankruptcy

Chapter 17 Two Trips through Chapter 7 Bankruptcy 253

Chapter 18 Two Trips through Chapter 13 Bankruptcy 277

Chapter 19 A Trip through Chapter 11 Bankruptcy 301

Chapter 20 A Trip through Chapter 12 Bankruptcy 317

Conclusion: The Road Worth Taking 325

Appendix A Helpful Resources 327

Appendix B Bankruptcy FAQs 337

Notes 347

Glossary 349

About the Authors 369

Index 371

Note: Product cover images may vary from those shown
J. N. Feeney
Note: Product cover images may vary from those shown