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2. When should I file for bankruptcy? - AOL

   www.aol.com/finance/file-bankruptcy-011643245.html

   Chapter 13 modifies your current debt payments to make them more affordable based on your income. Both should only be sought as a last ... When you file for Chapter 7 or Chapter 13 bankruptcy, ...

3. Personal bankruptcies are up. When does it make sense to file?

   www.aol.com/personal-bankruptcies-does-sense...

   The latter is used for, but a bad idea, to pay for one's bankruptcy. "In 7, you have to pay for your bankruptcy upfront. In Chapter 13 you pay your attorney in that 3- to 5-year plan," said Lawless.

4. Can you save money by not hiring a bankruptcy attorney? - AOL

   www.aol.com/finance/save-money-not-hiring...

   A bankruptcy lawyer can assess your financial situation, advise you on the most suitable type of bankruptcy to file (such as Chapter 7 or Chapter 13), prepare and file all necessary paperwork ...

5. Debt settlement - Wikipedia

   en.wikipedia.org/wiki/Debt_settlement

   As things stand, should anyone filing for bankruptcy fail to meet the Internal Revenue Service regulated ‘means test', they would instead be shelved into the Chapter 13 debt restructuring plan. Essentially, Chapter 13 bankruptcies simply tell borrowers that they must pay back some or all of their debts to all unsecured lenders. Repayments ...

6. Should You Declare Bankruptcy? Here's How to Decide - AOL

   www.aol.com/declare-bankruptcy-heres-decide...

   I used to be a bankruptcy lawyer, and I was often asked whether someone should file for bankruptcy. ... where you pay back a portion of your debts based on your income. Unfortunately, many people ...

7. Before You File for Bankruptcy, Consider These 3 Alternatives

   www.aol.com/file-bankruptcy-consider-3...

   I can pay $0.10 on the dollar (it's a good idea to start low), if that doesn't work, we will very likely have to file Chapter 7 bankruptcy." Then you negotiate.