Britain’s “I’m a Celebrity” winner, Christopher Biggins states that declaring bankruptcy was the best thing that ever happened to him.

 Biggins, who had declared voluntary personal bankruptcy some 15 years ago, said that he filed for bankruptcy protection because, as an actor, he didn’t know how to stop taking friends out for dinner and drinks even when he was not working. This left the Brit with a large debt and no way to repay it. He had always assumed that more work, with an accompanying paycheck, would be just around the corner.

 In the online version of The Telegraph, Biggins explained how, following his bankruptcy, he was allowed only one credit card and one bank account. He goes on to say that he still has only one card that he pays off in its entirety each month. His payment plan to his creditors took about a year to fulfill.

 If you are considering filing for Chapter 7 or Chapter 13 personal bankruptcy, call Legal Helpers toll-free at 800-260-1402. You will speak with an experienced, smart, knowledgeable bankruptcy attorney who has your best interests at heart. All Legal Helpers lawyers understand the entire bankruptcy system so you can trust their advice.

 Declaring bankruptcy can mean a whole new chapter in your life. You should use it as a learning process in which you can learn to handle your debt responsibly. When you work though your financial problems with the assistance of a Legal Helpers lawyer, you will know how to get back to land of financial freedom (and you will sleep a lot easier, as well!).

 Christopher Biggins is now an avid art collector, with hundreds of paintings that hang on the walls of his home in lieu of wallpaper!

 You, too, can get your financial life back and begin again. Just call Legal Helpers at 800-260-1402, www.legalhelpers.com.

If you’re in serious debt, chances are you’ve already encountered a few different forms of debt collection. Debt collectors have been known to be fierce and ruthless in their efforts to get the money that you may owe to various creditors. So could it be true that one of these firms is going out of business?

The debt collection firm of Mann Bracken has had their debt collection license suspended and has been ordered to “cease collections activities” by Maryland District Court Chief Judge Ben Clyburn. Furthermore, all the pending collection lawsuits have been dismissed.

These suspension and dismals are due to the fact that the firm allegedly announced its plans to shut down by the end of January. (Note: the lawsuits may be picked up by a different firm in the future).

It seems unlikely that a collection agency could go out of business in today’s economy since they would appear to be in such high demand. It just goes to show that really no one is bullet proof from financial disaster, even the firms that act as intermediaries.

If your debts are out of control, bankruptcy may be a viable option for you. We can't all count on collection lawsuits being dismissed. Bankruptcy protection may be the best bet for a stable, financial recovery. Call 800-260-1402 for a free evaluation now.     

You’ve applied for a job, have gone to your interview with a clean pressed suit and winning smile, and are otherwise confident that you meet all of the qualifications.  Yet, you’re still troubled by one thought—even if my prospective employer claims to be equal opportunity, will they run a credit report on me?

Many job applicants are not aware that a background check is essentially a “consumer report”, which overlaps with some of the material found on your standard credit report. While a bankruptcy is on public record, your consumer report does include some things that aren’t public record, like your social security number, and some that are public record, like sex offender lists and—you guessed it--bankruptcy.  In our age of economic turmoil, one cannot afford to have their very unemployment—a lack of funds in the form of a bankruptcy--prevent them from attaining their dream job.

In theory, bankruptcy discrimination shouldn’t be a concern. According to Title 11 U.S.C. Section 525(b), firing someone based on bankruptcy is considered unlawful.  This law reads:

“No private employer may terminate the employment of, or discriminate with respect to employment against, an individual who is or has been a debtor under this title, a debtor or bankrupt under the Bankruptcy Act.”

Still, bankruptcy discrimination happens all the time. An Eric Myers of Sumter County, Florida was recently refused a management position at a gourmet delicatessen and proactively sued for damages when they overlooked him for the position.  Discrimination in job hiring is always a sticky wicket, as you can’t lack confidence in order to testify that you were a shoe-in for a job.  Who’s to say you’re simply, regrettably, unqualified?

If you’re considering filing for bankruptcy, you are entitled to bankruptcy rights!  Your filing will be public record and will affect your credit, but you must have conviction that your bankruptcy cannot be used to discriminate against your employment, prevent you from gaining government licensing or securing student aid.  To learn more about the specifics of filing for bankruptcy, contact one of our legal professionals at 1-800-260-1402 for a free initial consultation.