On behalf of Law Office of April Perry Randle, PLLC | Nov 9, 2020 | Chapter 7
When the average person thinks about bankruptcy, they often picture a Chapter 7, even if they are not sure of the differences in Chapter 7 and Chapter 13. Chapter 7 bankruptcy is a specific form of bankruptcy that helps individuals discharge, or wipe out, as much debt...
On behalf of Law Office of April Perry Randle, PLLC | Oct 15, 2020 | Chapter 7
Credit card debt is a burden that can silently grow without the debtor’s notice until it is too big to ignore. Medical debt can suddenly appear after an injury or illness and leave the patient with thousands of dollars of debt or more. When the minimum payments on...
On behalf of Law Office of April Perry Randle, PLLC | Aug 1, 2020 | Chapter 7
If you’re struggling to make ends meet, you may be thinking about going through a Chapter 7 bankruptcy. Some people worry that doing so will mean that they have to liquidate everything they own, but the reality is that giving up everything is unlikely. It is possible...
On behalf of Law Office of April Perry Randle, PLLC | Jun 15, 2020 | Chapter 7
You were only 23 when you first found out that you had a chronic health condition. Over the years, you’ve had times where you were never ill. You’ve also had times when you needed hospitalization to get your condition under control. Most recently, you had a two-week...
On behalf of Law Office of April Perry Randle, PLLC | Mar 30, 2020 | Chapter 7
Raiding your 401(k) or other retirement savings may seem like a doable way to pay back your creditors, retrieve some urgently needed money or stave off the approach of bankruptcy, but it’s a massive mistake you don’t want to make. Retirement money is normally immune...
On behalf of Law Office of April Perry Randle, PLLC | Mar 12, 2020 | Chapter 7
One of the main reasons that credit cards lead to bankruptcy is that people will overspend on their cards. Technically, if they could pay off the balance at the end of the month — and if the card had no annual or monthly fee — they wouldn’t spend any more...
On behalf of Law Office of April Perry Randle, PLLC | Mar 6, 2020 | Chapter 7
Every day there’s good economic news in America. Unemployment is at a 50-year low and the stock market seems to consistently recover from temporary plunges. So, why are American consumers struggling under so much debt? Well, there are several reasons why the average...
On behalf of Law Office of April Perry Randle, PLLC | Jan 17, 2020 | Chapter 7
Medical treatment is rarely an elective purchase, and it can keep you from covering other basic costs of living. Insurmountable expenses stemming from treatment can hit you hard, but you could follow in the footsteps left by hundreds of thousands of Americans who go...
On behalf of Law Office of April Perry Randle, PLLC | Nov 17, 2019 | Bankruptcy, Chapter 7
Declaring bankruptcy. Why is it called a “declaration?” No one wants to stand atop a mountain and shout to the world that they feel they have failed. Declarations of this kind can be embarrassing, and no one wants to admit that they are not in control of their...
On behalf of Law Office of April Perry Randle, PLLC | Nov 17, 2019 | Bankruptcy, Chapter 11, Chapter 7
Understanding the intricacies of the court processes associated with filing for bankruptcy can help individuals make educated decisions about whether bankruptcy proceedings are right for them, what type of bankruptcy to claim, and what to expect during the process....
