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Month: November 2012

Obama Administration Enacts ‘Pay-As-You-Earn’ Rules for Student Loans

The student loan system in the United States is quite complex, and many people who have trouble paying their student loans don’t know whether the loan is guaranteed by or direct from the federal government, or whether the loan is from a private lender. In terms of how it’s handled in bankruptcy, the difference hasn’t …

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New York Chapter 13 Cram-Downs Possible for Investment Properties, Not Necessarily Easy

Most bankruptcy debtors choose Chapter 7 because it allows them to quickly discharge their unsecured debts. They can keep their houses and cars through exemptions or reaffirmation agreements, but many people, particularly those with investment properties, want to choose Chapter 13 because it offers them the option to strip liens on underwater second (or greater) …

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What Happens after a Chapter 13 New York Repayment Plan Is Confirmed?

For those who choose to file in Chapter 13, getting the repayment plan confirmed is usually a big event because it starts the clock on their three- to five-year repayment plans. The question they often ask is, “What happens next?” There are a few things, large and small. One, the debtors choose the payment system, …

What Happens after a Chapter 13 New York Repayment Plan Is Confirmed? Read More »

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