Reduce your debts, save your property -- and start over!

Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? This book will show you how to save your house, car and other assets with Chapter 13 Bankruptcy. It lets you cancel your debts and pay off the rest with an affordable repayment plan.

And now you can avoid attorney fees and do it yourself -- let Chapter 13 Bankruptcyyou how to:

determine if you qualify for Chapter 13

stop a house foreclosure

estimate monthly payments

devise an acceptable repayment plan

complete and file forms

make up missed mortgage payments

pay off other debts

represent yourself before a bankruptcy judge or trustee

The 9th edition is completely rewritten to reflect the recent (and massive) changes to federal bankruptcy law, as well as the latest bankruptcy exemption laws of your state. It also includes the most current legal documents and instructions on filling them out.

Whether you work with a lawyer or file on your own, you'll find everything you need to take charge of your debts in Chapter 13 Bankruptcy.

Please note: This book does not cover business bankruptcies, farm reorganizations or individual repayment plans (Chapter 13). For Chapter 7 Bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy.

State and Federal Exemption Charts
Doubling
Residency Requirements for Claiming State Exemptions
Exemptions for Retirement Accounts
Individual State and Federal Charts

Tear-Out Forms
Voluntary Petition
Exhibit C to Voluntary Petition
Exhibit D to Voluntary Petition
Schedule A -- Real Property
Schedule B -- Personal Property
Schedule C -- Property Claimed as Exempt
Schedule D -- Creditors Holding Secured Claims
Schedule E -- Creditors Holding Unsecured Priority Claims
Schedule F -- Creditors Holding Unsecured Nonpriority Claims
Schedule G -- Executory Contracts and Unexpired Leases
Schedule H -- Codebtors
Schedule I -- Current Income of Individual Debtor(s)
Schedule J -- Current Expenditures of Individual Debtor(s)
Declaration Concerning Debtor's Schedules
Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data
Form 3A -- Application and Order to Pay Filing Fee in Installments
Form 7 -- Statement of Financial Affairs
Form 10 -- Proof of Claim
Form 20A -- Notice of Motion or Objection
Form 21 -- Statement of Social Security Number(s)
Form 22A -- Statement of Current Monthly Income and Means-Test Calculation
Form 22C -- ChaStatement of Current Monthly Income and Calculation of Commitment Period and Disposable Income
Form 23 -- Debtor's Certification of Completion of Postpetition Instructional Course Concerning Personal Financial Management
Form 201 -- Notice to Individual Consumer Debtor Under § 342(b) of the Bankruptcy Code Amendment Cover Sheet
Daily Expenses
Notice of Plan Amendment and Confirmation Hearing Date
Proof of Service by Mail
Chapter 13 Repayment Plan

Appendix C: Charts...

Credit problems? Get the acclaimed plain-English guide to fixing your credit report!

Nearly 80 percent of credit reports contain errors. In a tough economy when credit is tight, you need to be certain that your financial records are correct and up-to-date. A less-than-flattering report can hurt your chances of qualifying for credit card, loans, renting an apartment or even finding a job.

But a bad credit report can almost always be improved or corrected. Credit Repair shows you how to fix your credit situation quickly and easily, explaining the necessary steps in plain English. Learn how to:

avoid overspending

establish a realistic budget

get out of debt now

build a financial cushion

read and understand your credit report

get mistakes on your credit report fixed

protect your social security number

avoid credit discrimination

get positive information added to your credit report

negotiate with creditors

Credit Repair includes dozens of forms and letters on CD-ROM that will help you spruce up your credit report as easily as possible!

The 9th edition has been completely updated to reflect the latest changes in the law, including the new rules for the HOPE for Homeowners Act, and additional information and forms that will help you regain your good name should your identity ever be stolen. (20080202)...

The forms you need to protect your family, your assets and yourself.

Use the law to your advantage. 101 Law Forms for Personal Use gives you all the forms you'll need with step-by-step instructions to cover the legal issues you're most likely to face every day.

Available as tear-outs and on CD-ROM, the forms include:

bills of sale for buying and selling personal property

promissory notes for lending and borrowing money

a basic will form and general power of attorney form

contracts for in-home child care

authorizations for when your children are in the care of others

releases to settle disputes

notices for dealing with telemarketers

contracts for home repair and remodeling

and much, much more

The 7th edition is completely updated for accuracy and ease of use, and now provides a power of attorney for real estate, security agreement and identify-theft worksheet. (20071101)...

Everything you need to get out of debt and repair your credit.

Feeling overwhelmed by your debts? If you're ready to regain your financial freedom, this book is exactly what you need! Step by step, Solve Your Money Troubles shows you how to:

prioritize debts

create a budget

negotiate with creditors

stop collector harassment

challenge wage attachments

contend with repossessions

respond to creditor lawsuits

qualify for a mortgage

rebuild credit

To make the process easier Solve Your Money Troubles also includes sample letters to creditors, as well as worksheets and charts to calculate your debts and expenses and help you create a repayment plan.

The 12th edition now covers the latest bankruptcy laws, the Fair Debt Collection Act and the new credit-scoring system used by some credit bureaus. ...