Busted But Not Responsible? Tips For Your Defense

If you've been arrested for a crime you didn't commit, you need to defend your legal rights. You have the right to an attorney who can help you present your case. After being wrongly accused of something myself, I learned quickly how to navigate the legal avenues to have my case dismissed. My attorney was a great resource for building the case, and because of my understanding of the law, it worked. I created this site to share what I learned along the way and some other great tips for others who have been wrongly accused and arrested for a crime.

Filing For Bankruptcy: Answers To Two Common Questions


Credit and loans can be great tools for achieving your goals, but it is an unfortunate fact that many people will get into trouble with these financial tools. Crushing debt can ruin a person's personal and professional life. Fortunately, bankruptcy protections are available to many of these individuals, and these protections can help debtors get the clean financial start they need. Yet, these proceedings can be extremely confusing, and there may be a couple of questions that you may need answered. 

What Does Unsecured Debt Mean?

The protections offered by filing for bankruptcy typically only apply to unsecured debts. These are debts that you did not provide property as collateral. For example, mortgages may not always be covered under this protection because they are secured with the house. However, this does not mean that you have to lose your house because some types of bankruptcy protections for creditors to work out payment arrangement with the debtors. 

Fortunately, unsecured debts can often be completely discharged by filing for bankruptcy. When you file, debtors will be required to stop all collection actions against you, and these debts will be required to be stripped from your credit history. 

What If You Cannot Pay The Filing Costs?

When individuals are filing for bankruptcy, they are usually extremely strapped for cash, and this can make it difficult for them to pay the filing fees. Without paying these fees, the court will not accept your documents, and this can make it extremely difficult for some people to obtain this protection. 

Luckily, the court system recognizes this problem, and it is often possible for these fees to be broken into a series of payments. Once all of these payments have been made, the client's case will proceed, and they will be granted a stay that protects them from creditor actions while the case is being processed. However, if you opt for this payment plan, you should pay it off as quickly as possible because your creditors will be able to harass, garnishing your wages or sue you until this is done. 

Filing for bankruptcy may be the only way to escape the ramifications of excessive debt, but obtaining this type of protection can be extremely difficult and confusing. Not surprisingly, many people do not know what to expect from this process, and this may dissuade them from pursuing this legal option.

If you are deterred by the process, you can always contact a lawyer, like those at Wiesner & Frackowiak, LC, for more information. By learning the answers to these common questions, you may decide that this is the perfect solution to your current financial problems. 


24 November 2014