A Chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts.

The short answer is yes. Once your case is filed, creditors are no longer entitled to garnish your wages for debts that existed at the beginning of the case. The only exception may be for on-going child or family support ordered by a court. This is a function of the automatic stay. The filing of a bankruptcy case, under any chapter of the Bankruptcy Code, triggers an injunction against the continuance of any action by any creditor against the debtor or the debtor's property.

Whether you have filed Bankruptcy or have faced foreclosure, repossession or a delinquency on a loan, it is a fact of life that your credit score can fluctuate. Access to credit is important when applying for a car or home loan or when starting a new business, the lower your credit score, the higher your interest rate will likely be. FICO scores range from 300 to 850; the median score is 723. To get the best rates, you'll usually have to have a score of at least low- to mid-700s, so how can you repair your credit score after it has been damaged? Unfortunately, it is far easier to bring your credit score down than it is to make improve it. Neverthelless there are steps you can take:

Social Security Disability Insurance (SSDI) is a federal program that provides assistance to people with disabilities. The program is administered by the Social Security Administration and individuals who have a disability and meet certain medical criteria qualify for benefits.

Most of us are familiar with a Bankruptcy Chapter 7 or a Bankruptcy Chapter 13, but what is a Bankruptcy Chapter 11? A Bankruptcy Chapter 11 is usually filed by a business. With the United States economy taking a severe hit, many businesses are filing for bankruptcy. Many of the gigantic corporations that you hear about making bankruptcy news generally file for bankruptcy under this chapter.