Site: thebankruptcysite.org
... To learn how to avoid this problem, see Should I File for Bankruptcy Before or After Foreclosure? ... In Chapter 13, you can include back payments in your plan. ... To learn more about how to use exemptions strategically, see Bankruptcy Exemptions: An Overview. ... (Learn how the means test works.) ... If, on the other hand, you recently lost your job, started a lower-paying job, or had your hours cut, ...