The People's Esquire

10/20/2026

Wondering how a bankruptcy discharge actually works? A court discharge releases debtors from personal liability on eligible debts like credit cards and medical bills. Learn how Chapter 7 and Chapter 13 discharges differ under federal law.

Learn about bankruptcy discharge & its impact. Understand differences in Chapter 7, 13, & 11 discharge. Rebuild credit & prevent future bankruptcies.

10/15/2026

Thought your old second mortgage was discharged in bankruptcy or forgiven? "Zombie mortgages" are coming back to haunt homeowners with aggressive collection tactics and foreclosure threats. Know your rights against unlawful debt collection. Read more here.

https://www.consumerfinance.gov/archive/blog/back-from-the-dead-zombie-second-mortgages/

10/13/2026

Struggling with overwhelming medical bills? While there's no official "medical bankruptcy," filing for Chapter 7 or Chapter 13 can discharge or restructure unpaid healthcare debt alongside other unsecured liabilities. Learn how federal bankruptcy laws handle medical debt

https://www.creditkarma.com/debt/i/medical-debt-in-bankruptcies?

10/12/2026

Selling residential real estate requires a long list of essential records, including listing agreements, mortgage payoff statements, and seller net sheets. Knowing what to prepare helps protect your sale.

A lot of paperwork is involved in a home sale beyond just the contract. Here's a checklist of all the documents sellers need.

10/09/2026

Considering filing for bankruptcy without a lawyer? Self-represented filers face a significantly higher risk of case dismissal and asset loss. Learn why hiring a bankruptcy attorney protects your financial fresh start.

Learn if you should hire a bankruptcy attorney, what it costs and how legal help can affect your bankruptcy outcome.

10/06/2026

Filing for bankruptcy instantly triggers an "automatic stay," halting collection calls, lawsuits, and wage garnishments. If gambling losses have drained your finances and creditors are calling, you have options to pause collections and reorganize your debt. Read the details here.

Gambling debt has become one of the fastest-growing categories of consumer debt in the United States, and the reason is sitting in most people’s pockets.

10/02/2026

Trading a house for a car? High auto loan payments can disqualify buyers from home loans and quickly drain budgets. If mounting car payments and credit card debt have you overwhelmed, you have legal options for debt relief. Read more.

Monthly car payments have climbed so high that they now rival a major household expense most Americans consider far more essential, and the ripple effects on savings, home ownership, and debt are reshaping how families manage their money.

09/29/2026

Don't let high-interest debt paralyze you. Whether it’s restructuring your payments through Chapter 13 or seeking a clean slate with Chapter 7, you have legal options. Discover the pros, cons, and costs of bankruptcy versus debt consolidation.

https://www.forbes.com/advisor/debt-relief/debt-consolidation-vs-bankruptcy/

09/25/2026

Considering filing for bankruptcy but unsure which path fits your situation? Understanding the differences between Chapter 7 liquidation and Chapter 13 reorganization is the first step toward financial relief. Learn more about your options.

Most individuals file Chapter 7 or Chapter 13, but there are six types of bankruptcy. Bankruptcy can help individuals and businesses get major debt relief, but there are alternatives.

09/22/2026

Weighing Chapter 7 vs. Chapter 13 bankruptcy? From passing the income means test to protecting your home and assets, knowing how each bankruptcy chapter works is essential.

There are six types of bankruptcy: Chapters 7, 9, 11, 12, 13 and 15. See who each is for, timelines, costs and which type fits your situation.