In filing a bankruptcy case, the goal of the filer is to obtain a discharge. The discharge is essentially an order of the bankruptcy court that permanently bars creditors from seeking payment on certain debts. While most debts are discharged through the bankruptcy process, student loans are an exception to this rule.

A recent study by Harvard University has found that medical bills are increasingly a contributing factor in the decision to file for personal bankruptcy. In fact, the study showed a medical bills were a contributing factor in 62% of all bankruptcies filed in 2007. Breaking down the numbers further, the study found of

Arizona has been hit particularly hard in the real estate market with dramatic decreases in the value of people’s homes.  Are you behind on your house payments?  Is your house in foreclosure?  Do you owe more on your house than it is currently worth?  If so, then you are not alone.  Much of the population