Resources to Help Guide you Through Difficult Times

During these difficult economic times, getting reliable legal guidance to determine your financial options is one of the best investments you can make.

• The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 completely altered the process of filing for bankruptcy. Learn about the most significant changes with this fact sheet.

• A bankruptcy filing only stays on a credit report for a limited amount of time. This article from Mint.com explains how long negative marks remain on credit reports.

• Bankruptcy can provide immediate debt relief and allow a fresh start financially, but it does have its limitations. To learn more about what is not affected by bankruptcy, check out this article from Nolo.com.

• By exercising fiscal responsibility, you can immediately start rebuilding your credit after bankruptcy. Read this piece from Bankrate.com for more information.

• Depending on your individual circumstances, you may find that either Chapter 7 or Chapter 13 bankruptcy will provide you with better results. For more information about the differences between Chapter 7 and 13 bankruptcy, browse this FAQ list from the American Bankruptcy Institute.