{"product_id":"personal-bankruptcy-laws-for-dummies-isbn-9780471773801","title":"Personal Bankruptcy Laws For Dummies","description":"\u003cb\u003eWith tips on understanding -- and surviving -- the new bankruptcy laws\u003c\/b\u003e\u003cbr\u003e \u003cbr\u003e If you're considering bankruptcy, you need straightforward answers and reliable advice. This handy guide covers it all -- so you can get your finances in line and your life back on track. This updated new edition covers everything you need to know about the new bankruptcy law and includes even better resources. Don't get desperate -- get out of debt instead!\u003cbr\u003e \u003cbr\u003e Discover how to\u003cbr\u003e * Weigh the consequences of bankruptcy\u003cbr\u003e * Manage your spending\u003cbr\u003e * Find professional help you can trust\u003cbr\u003e * Decide on the right type of bankruptcy\u003cbr\u003e * Pass the means test\u003cbr\u003e * Keep more of your stuff  \u003cb\u003eIntroduction 1\u003c\/b\u003e  \u003cp\u003e\u003cb\u003ePart I: Bankruptcy: The Big Picture 7\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 1: Considering Bankruptcy 9\u003c\/p\u003e \u003cp\u003eChapter 2: Stopping the Bleeding 27\u003c\/p\u003e \u003cp\u003eChapter 3: Meeting the Players 47\u003c\/p\u003e \u003cp\u003eChapter 4: Deciding Which Type of Bankruptcy Is Best for You 57\u003c\/p\u003e \u003cp\u003eChapter 5: Confronting the Means Test 69\u003c\/p\u003e \u003cp\u003eChapter 6: Getting from Here to There: The Bankruptcy Process 91\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart II: Avoiding Bankruptcy 115\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 7: Considering Alternatives to Bankruptcy 117\u003c\/p\u003e \u003cp\u003eChapter 8: Handling Bill Collectors 135\u003c\/p\u003e \u003cp\u003eChapter 9: Negotiating with the IRS 145\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart III: Keeping Your Stuff 153\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 10: Understanding Which Assets Are Off Limits to Creditors 155\u003c\/p\u003e \u003cp\u003eChapter 11: Dealing with Secured Debts 173\u003c\/p\u003e \u003cp\u003eChapter 12: Saving Your Home 183\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart IV: Getting Rid of (Most of) Your Debt 199\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 13: Lingering Obligations 201\u003c\/p\u003e \u003cp\u003eChapter 14: A House of Cards: Wiping Out Credit-Card Debts 215\u003c\/p\u003e \u003cp\u003eChapter 15: Give unto Caesar: Using Bankruptcy to Deal with Tax Debts 223\u003c\/p\u003e \u003cp\u003eChapter 16: The Devil Made Me Do It: Fines, Fraud, and Other Foibles 237\u003c\/p\u003e \u003cp\u003eChapter 17: Till Debt Due Us Part: Bankruptcy and Divorce 247\u003c\/p\u003e \u003cp\u003eChapter 18: Student Loans and Other Mind Games 257\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart V: Strategies for a Successful Bankruptcy 271\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 19: Avoiding Troubles with Your Trustee 273\u003c\/p\u003e \u003cp\u003eChapter 20: Living on the Edge in Chapter 13 Bankruptcy 283\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart VI: Enjoying Your Fresh Start 305\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 21: Repairing Your Credit 307\u003c\/p\u003e \u003cp\u003eChapter 22: Staying Out of Financial Trouble 319\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart VII: The Part of Tens 327\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 23: Ten Common Bankruptcy Mistakes 329\u003c\/p\u003e \u003cp\u003eChapter 24: Ten Things You Can Do Right Now to Ease Your Financial Woes 333\u003c\/p\u003e \u003cp\u003eChapter 25: Ten Common Questions about Bankruptcy 337\u003c\/p\u003e \u003cp\u003e\u003cb\u003eAppendix: Homestead Exemption Laws 343\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eIndex 347\u003c\/b\u003e\u003c\/p\u003e  \u003cb\u003eJames P. Caher,\u003c\/b\u003e a practicing attorney with 30 years of experience, is a nationally recognized expert on consumer bankruptcies and authority on the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.\u003cbr\u003e Jim coauthored, with his brother John, \u003ci\u003eDebt Free! Your Guide to Personal Bankruptcy Without Shame\u003c\/i\u003e (Henry Holt, 1996) and two highly regarded books for lawyers: \u003ci\u003eDischarging Marital Obligations in Bankruptcy\u003c\/i\u003e (LRP, 1997) and \u003ci\u003eDischarging Credit Card Debts in Bankruptcy\u003c\/i\u003e (LRP, 1998).\u003cbr\u003e In addition, Jim has published scores of articles for bankruptcy professionals and is frequently called upon to analyze and interpret the complicated provisions of the 2005 bankruptcy law. He was labeled the “online guru” by a national legal weekly because of his regular appearances on the Internet as an expert analyst on bankruptcy law. Jim also serves on the editorial board of the American Bankruptcy Institute.\u003cbr\u003e Jim graduated from Niagara University and then earned his law degree from Memphis State University Law School, where he was a member of the Law Review and recipient of the American Jurisprudence Award for Excellence in the field of debtor-creditor relations. He filed his first consumer bankruptcy case shortly after graduating in 1975. Jim lives and practices in Eugene, Oregon.  \u003cp\u003e\u003cb\u003eJohn M. Caher\u003c\/b\u003e is a legal journalist who has written about law and the courts for most of his 25-year career.\u003cbr\u003e Currently the Albany bureau chief for the \u003ci\u003eNew York Law Journal\u003c\/i\u003e, John previously was state editor and legal affairs reporter for the \u003ci\u003eTimes Union\u003c\/i\u003e of Albany, New York. His legal reportage has won more than two dozen awards, including prestigious honors from the American Bar Association, the New York State Bar Association, the Erie County Bar Association, and the Associated Press.\u003cbr\u003e John coauthored, with his brother Jim, \u003ci\u003eDebt Free! Your Guide to Personal Bankruptcy Without Shame\u003c\/i\u003e (Henry Holt, 1996). He is the author of \u003ci\u003eKing of the Mountain: The Rise, Fall and Redemption of Chief Judge Sol Wachtler\u003c\/i\u003e (Prometheus Books, 1998). In addition, John was the principal writer assisting former U.S. Treasury Secretary William E. Simon in preparation of his memoirs. Mr. Simon’s autobiography, \u003ci\u003eA Time for Reflection,\u003c\/i\u003e was published in 2003 by Regnery.\u003cbr\u003e John is a 1980 graduate of Utica College of Syracuse University, where he received his bachelor’s degree in journalism, and a 1993 graduate of Rensselaer Polytechnic Institute, where he earned a master’s degree in technical communications\/graphics. John lives in Clifton Park, New York.\u003c\/p\u003e  \u003cp\u003eWith tips on understanding — and surviving — the new bankruptcy laws\u003c\/p\u003e \u003cp\u003eIf you're considering bankruptcy, you need straightforward answers and reliable advice. This handy guide covers it all — so you can get your finances in line and your life back on track. This updated new edition covers everything you need to know about the new bankruptcy law and includes even better resources. Don't get desperate — get out of debt instead!\u003c\/p\u003e \u003cp\u003eDiscover how to\u003c\/p\u003e \u003cul\u003e \u003cli\u003eWeigh the consequences of bankruptcy\u003c\/li\u003e \u003cli\u003eManage your spending\u003c\/li\u003e \u003cli\u003eFind professional help you can trust\u003c\/li\u003e \u003cli\u003eDecide on the right type of bankruptcy\u003c\/li\u003e \u003cli\u003ePass the means test\u003c\/li\u003e \u003cli\u003eKeep more of your stuff\u003c\/li\u003e \u003c\/ul\u003e","brand":"For Dummies","offers":[{"title":"Default Title","offer_id":47989767373029,"sku":"NP9780471773801","price":19.99,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9780471773801.jpg?v=1761785401","url":"https:\/\/k12savings.com\/es\/products\/personal-bankruptcy-laws-for-dummies-isbn-9780471773801","provider":"K12savings","version":"1.0","type":"link"}