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What is the difference between Chapter 7 & Chapter 13 bankruptcy?

When you feel overwhelmed with debt, whether it comes from mounting medical bills or ballooning credit card statements, you start to think about your options. You want to stop getting harassing creditor calls and start fresh. Maybe filing bankruptcy might be your best move.

However, you are unsure if you should seek a Chapter 7 bankruptcy or a Chapter 13 bankruptcy. What’s the difference between these different types of bankruptcy? How do you know which option might be best for you?

How to appeal the denial of Social Security Disability pay

If you have been waiting for months and months to see if the Social Security Administration will grant you disability pay, you more than likely are upset when you receive notice your disability claim has been denied. However, you are far from alone. Illinois Social Security offices reject about 70% of disability claims each year.

Your best chance of having your Social Security disability claim approved is to file an appeal. Yet it's important to have a better understanding of the appeal process. Otherwise, you could have your appeal denied because of a simple error or missing an important claim deadline.

When is bankruptcy the most logical option?

The gradual erosion of your finances has led to your family facing a significant burden. You clearly saw this coming due to steep losses in income, growing medical expenses, a now-unaffordable mortgage along with spending habits that too often were illogical.

Cornered by monstrous debt, you realize bankruptcy is the most realistic option for you to wipe free most of your debts and gain a fresh start on your finances.

How long do Social Security disability benefits last?

Now that you qualify for Social Security Disability benefits, a great sense of relief may surround you.

However, there may be a handful of new questions that may surface regarding the duration of your SSD benefits and the many uncertainties that come along with your health concerns. Still, you want assurance that those SSD benefits will be available whether your unique situation is transitional or permanent.

You have protections against illegal creditor harassment

The harassment seems to be unending from creditors. You know you are in dire financial straits, and you do not need persistent debt collectors to remind you by bothering you several times a week. You are looking into filing for bankruptcy because you understand your precarious financial situation. Meanwhile, harassment from creditors grows worse.

The continuous calls at home and work, voicemails, texts and the fact that these creditors also are bothering your relatives has left you paralyzed from anxiety and rightfully angry. But you have protections, and the law is on your side.

Which debts typically survive bankruptcy?

The debts piled high, teetering hazardously without a net. Still, you were unprepared for the inevitable financial collapse that overwhelmed you and your family. For months, you pondered whether bankruptcy was a logical option, and, now, you know that it is. Bankruptcy usually allows you to keep your home and provides legal protection from overzealous creditors while resolving most debts.

You want to have a clean financial slate. With bankruptcy, you can come very close to just that. But what about those debts that survive bankruptcy? No matter what, you will have to pay off some of these non-dischargeable debts after a personal bankruptcy filing.

How much can I receive in Social Security disability payments?

Your medical condition progressively grew worse, leading to crippling disability. Clearly, you are no longer able to work for at least a year or potentially longer. Since you are completely unable to work, you qualify for Social Security disability (SSD) benefits. But you wonder just how much you will receive in this monthly government benefit.

Similar to retired workers, Social Security-taxed earnings determine the amount of your SSD benefits. The general rule of thumb is that the monthly amount you receive is a bit less than what you would have received if you worked until your full retirement age. Why? Because, typically, workers achieve higher earnings in their later career years, so a worker who becomes disabled before those peak earning years will receive lower monthly benefits.

How a bankruptcy attorney helps you overcome financial challenges

A triangulation of unexpected events pushed you to a financial brink. A life-threatening health event, a job loss and a pending divorce created a whirlwind personal storm in a matter of six months. For most people, this is a one-two-three knockout blow. But you are not so easy to give up. Even so, you need help getting back on your feet.

That help arrives with rest and physical therapy for your health, a counselor/therapist for your soul and an attorney to help put your financial life back together. With the sudden avalanche of challenges, you understand that filing for personal bankruptcy is an option, and a skilled bankruptcy attorney has the know-how to guide you.

Why guilt should not stop you from filing bankruptcy

There is no shame, no stigma and no scarlet letter in filing for bankruptcy. Ignore the voice in your head telling you otherwise. And ignore that know-it-all friend or judgmental father-in-law. With bankruptcy, you are taking control of your financial life. While you may have gotten a late start, you have made the decision and are firmly in charge. Bankruptcy is an effective financial tool for people with major debt problems.

Whether you are overcome by credit card debt, addicted to excessive spending habits or faced with sudden and untimely medical bills, you understand that you have a problem, and bankruptcy provides a solution. Now, you can carry on with a fresh outlook about money and spending.

Types of ailments that may qualify you for SSD benefits

Many types of injuries and illnesses can prevent you from working, leading you to seek Social Security disability (SSD) benefits. For example, if you suffer from maladies such as arthritis, back pain, bronchitis, OR kidney disease, you just may qualify for SSD benefits.  Psychological disorders, including intellectual disabilities, autism or mental retardation can qualify you for benefits

More than 2 million people apply for SSD benefits annually, but only about 37% of first-time applicants receive approval from the Social Security Administration (SSA). That said, SSA staff and investigators cannot possibly understand the excruciating pain and/or psychological distress you are experiencing.