{"id":46178,"date":"2020-11-26T00:00:00","date_gmt":"2020-11-26T06:00:00","guid":{"rendered":"https:\/\/duplicate-3724934.findlaw6.flsitebuilder.com\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/"},"modified":"2020-11-26T00:00:00","modified_gmt":"2020-11-26T06:00:00","slug":"how-bankruptcy-could-provide-a-fresh-start-in-a-new-year","status":"publish","type":"post","link":"https:\/\/debrabrozlaw.com\/es\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/","title":{"rendered":"C\u00f3mo la bancarrota podr\u00eda proporcionar un nuevo comienzo en un nuevo a\u00f1o"},"content":{"rendered":"<p>El a\u00f1o 2020 represent\u00f3 un desaf\u00edo fiscal considerable para todos los estadounidenses. Muchas familias ten\u00edan poco control sobre sus ingresos, mientras que los despidos y las medidas de confinamiento mantuvieron a los adultos sin trabajo. Usar cr\u00e9dito ayuda a cubrir gastos esenciales como ropa y comida, pero esos acreedores eventualmente intentar\u00e1n cobrar.<\/p>\n<p>Es en momentos como este que muchas personas consideran declararse en bancarrota. A pesar de las connotaciones negativas, la bancarrota existe para ayudar a las personas a encontrar el tiempo necesario para poner sus asuntos en orden y sin acreedores que les presionen. Quienes enfrentan una deuda considerable en el nuevo a\u00f1o...\u00a0<a href=\"https:\/\/www.debt.org\/bankruptcy\/should-i-file\/\" target=\"_blank\" rel=\"noopener\">Podr\u00eda encontrar alivio a trav\u00e9s de la bancarrota<\/a>.<\/p>\n<h2>Considere los beneficios de la bancarrota<\/h2>\n<p>Declararse en bancarrota puede parecer un proceso largo, pero muchos solicitantes se encuentran en una situaci\u00f3n mucho mejor en un a\u00f1o. La bancarrota puede brindar los siguientes beneficios:<\/p>\n<ul>\n<li>Control sobre la deuda: La declaraci\u00f3n de quiebra otorga inmediatamente un\u00a0<a href=\"\/es\/blog\/2020\/08\/how-to-control-your-financial-future-through-bankruptcy\/\" target=\"_blank\" rel=\"noreferrer noopener\">suspensi\u00f3n autom\u00e1tica de los acreedores<\/a>, cesando su acoso mientras los solicitantes eligen entre el Cap\u00edtulo 7 o el Cap\u00edtulo 13 de bancarrota. Esta suspensi\u00f3n tambi\u00e9n puede detener el embargo de salario y las demandas.<\/li>\n<li>Aumento del puntaje crediticio: Las agencias de cr\u00e9dito afirman que la bancarrota destruye el puntaje crediticio. Lo cierto es que la mayor\u00eda de las personas que consideran declararse en bancarrota ya han tocado fondo. La mayor\u00eda de quienes se declaran en bancarrota reportan mejoras en su puntaje crediticio a medida que comienzan a liquidar o saldar sus deudas.<\/li>\n<li>Asesor\u00eda financiera: Todos los contribuyentes tomar\u00e1n cursos de capacitaci\u00f3n sobre administraci\u00f3n financiera y crediticia. Estos cursos ense\u00f1ar\u00e1n t\u00e9cnicas de presupuesto responsable que ayudan a identificar y reducir gastos excesivos. \u00a1Estas t\u00e9cnicas son excelentes prop\u00f3sitos de A\u00f1o Nuevo!<\/li>\n<li>Margen de negociaci\u00f3n: La bancarrota no es el proceso r\u00edgido e implacable que muchos creen. Quienes gestionan casos de bancarrota comprenden la amplia gama de emociones y dificultades que conllevan las finanzas personales. Un abogado con experiencia en bancarrota puede ayudarle a trabajar con acreedores y cobradores de deudas.<\/li>\n<\/ul>\n<h2>Tome el control con la bancarrota<\/h2>\n<p>Quienes buscan respuestas pueden consultar con un abogado local con experiencia en ayudar a los residentes de Kentucky a encontrar alivio mediante la bancarrota. Un abogado puede ayudarles a organizar la documentaci\u00f3n financiera, gestionar a los acreedores y ser un aliado de confianza durante todo el proceso.<\/p>","protected":false},"excerpt":{"rendered":"<p>El a\u00f1o 2020 represent\u00f3 un desaf\u00edo fiscal considerable para todos los estadounidenses. Muchas familias ten\u00edan poco control sobre sus ingresos, mientras que los despidos y las medidas de confinamiento mantuvieron a los adultos sin trabajo. Usar cr\u00e9dito ayuda a cubrir gastos esenciales como ropa y comida, pero esos acreedores eventualmente intentar\u00e1n cobrar. Es en momentos como este que muchas personas [\u2026]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2],"tags":[],"class_list":["post-46178","post","type-post","status-publish","format-standard","hentry","category-bankruptcy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How bankruptcy could provide a fresh start in a new year - Debra L. Broz, Attorneys at Law, PLC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/debrabrozlaw.com\/es\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How bankruptcy could provide a fresh start in a new year - Debra L. Broz, Attorneys at Law, PLC\" \/>\n<meta property=\"og:description\" content=\"2020 presented all Americans with a considerable fiscal challenge. Many families had little control over their income while layoffs and lockdown measures kept adults out of work. Using credit helps cover bills for essentials like clothing and food, but those creditors will eventually look to collect. It is during times like this that many people [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/debrabrozlaw.com\/es\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/\" \/>\n<meta property=\"og:site_name\" content=\"Debra L. Broz, Attorneys at Law, PLC\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/DebraLBrozAttorney\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-26T06:00:00+00:00\" \/>\n<meta name=\"author\" content=\"Debra Broz Law, PLC\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@DebraBroz\" \/>\n<meta name=\"twitter:site\" content=\"@DebraBroz\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Debra Broz Law, PLC\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/blog\\\/2020\\\/11\\\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/blog\\\/2020\\\/11\\\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\\\/\"},\"author\":{\"name\":\"Debra Broz Law, PLC\",\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/#\\\/schema\\\/person\\\/91b15716e3c4e12a764d7afaefdfb2e1\"},\"headline\":\"How bankruptcy could provide a fresh start in a new year\",\"datePublished\":\"2020-11-26T06:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/blog\\\/2020\\\/11\\\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\\\/\"},\"wordCount\":347,\"publisher\":{\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/#organization\"},\"articleSection\":[\"bankruptcy\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/blog\\\/2020\\\/11\\\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\\\/\",\"url\":\"https:\\\/\\\/debrabrozlaw.com\\\/blog\\\/2020\\\/11\\\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\\\/\",\"name\":\"How bankruptcy could provide a fresh start in a new year - Debra L. Broz, Attorneys at Law, PLC\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/#website\"},\"datePublished\":\"2020-11-26T06:00:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/blog\\\/2020\\\/11\\\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/debrabrozlaw.com\\\/blog\\\/2020\\\/11\\\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/blog\\\/2020\\\/11\\\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/debrabrozlaw.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How bankruptcy could provide a fresh start in a new year\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/#website\",\"url\":\"https:\\\/\\\/debrabrozlaw.com\\\/\",\"name\":\"Debra L. Broz, Attorneys at Law, PLC\",\"description\":\"Debra L. Broz, Attorneys at Law, PLC\",\"publisher\":{\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/debrabrozlaw.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/#organization\",\"name\":\"Debra L. Broz, Attorneys at Law, PLC\",\"url\":\"https:\\\/\\\/debrabrozlaw.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/debrabrozlaw.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/debra-broz-mainlogo-2.webp\",\"contentUrl\":\"https:\\\/\\\/debrabrozlaw.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/debra-broz-mainlogo-2.webp\",\"width\":370,\"height\":58,\"caption\":\"Debra L. Broz, Attorneys at Law, PLC\"},\"image\":{\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/DebraLBrozAttorney\\\/\",\"https:\\\/\\\/x.com\\\/DebraBroz\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/debra-l-broz-attorney-at-law-plc\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/debrabrozlaw.com\\\/#\\\/schema\\\/person\\\/91b15716e3c4e12a764d7afaefdfb2e1\",\"name\":\"Debra Broz Law, PLC\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b4830b96567683e4b89d511d12e5bf31ebab08d60a7289c5b176f4b02c8d47da?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b4830b96567683e4b89d511d12e5bf31ebab08d60a7289c5b176f4b02c8d47da?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b4830b96567683e4b89d511d12e5bf31ebab08d60a7289c5b176f4b02c8d47da?s=96&d=mm&r=g\",\"caption\":\"Debra Broz Law, PLC\"},\"sameAs\":[\"https:\\\/\\\/debrabrozlaw.com\"],\"url\":\"https:\\\/\\\/debrabrozlaw.com\\\/es\\\/blog\\\/author\\\/blake\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"C\u00f3mo la bancarrota podr\u00eda brindar un nuevo comienzo en un nuevo a\u00f1o - Debra L. Broz, Abogados, PLC","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/debrabrozlaw.com\/es\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/","og_locale":"es_MX","og_type":"article","og_title":"How bankruptcy could provide a fresh start in a new year - Debra L. Broz, Attorneys at Law, PLC","og_description":"2020 presented all Americans with a considerable fiscal challenge. Many families had little control over their income while layoffs and lockdown measures kept adults out of work. Using credit helps cover bills for essentials like clothing and food, but those creditors will eventually look to collect. It is during times like this that many people [&hellip;]","og_url":"https:\/\/debrabrozlaw.com\/es\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/","og_site_name":"Debra L. Broz, Attorneys at Law, PLC","article_publisher":"https:\/\/www.facebook.com\/DebraLBrozAttorney\/","article_published_time":"2020-11-26T06:00:00+00:00","author":"Debra Broz Law, PLC","twitter_card":"summary_large_image","twitter_creator":"@DebraBroz","twitter_site":"@DebraBroz","twitter_misc":{"Escrito por":"Debra Broz Law, PLC","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/debrabrozlaw.com\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/#article","isPartOf":{"@id":"https:\/\/debrabrozlaw.com\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/"},"author":{"name":"Debra Broz Law, PLC","@id":"https:\/\/debrabrozlaw.com\/#\/schema\/person\/91b15716e3c4e12a764d7afaefdfb2e1"},"headline":"How bankruptcy could provide a fresh start in a new year","datePublished":"2020-11-26T06:00:00+00:00","mainEntityOfPage":{"@id":"https:\/\/debrabrozlaw.com\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/"},"wordCount":347,"publisher":{"@id":"https:\/\/debrabrozlaw.com\/#organization"},"articleSection":["bankruptcy"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/debrabrozlaw.com\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/","url":"https:\/\/debrabrozlaw.com\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/","name":"C\u00f3mo la bancarrota podr\u00eda brindar un nuevo comienzo en un nuevo a\u00f1o - Debra L. Broz, Abogados, PLC","isPartOf":{"@id":"https:\/\/debrabrozlaw.com\/#website"},"datePublished":"2020-11-26T06:00:00+00:00","breadcrumb":{"@id":"https:\/\/debrabrozlaw.com\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/debrabrozlaw.com\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/debrabrozlaw.com\/blog\/2020\/11\/how-bankruptcy-could-provide-a-fresh-start-in-a-new-year\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/debrabrozlaw.com\/"},{"@type":"ListItem","position":2,"name":"How bankruptcy could provide a fresh start in a new year"}]},{"@type":"WebSite","@id":"https:\/\/debrabrozlaw.com\/#website","url":"https:\/\/debrabrozlaw.com\/","name":"Debra L. Broz, abogada, PLC","description":"Debra L. Broz, abogada, PLC","publisher":{"@id":"https:\/\/debrabrozlaw.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/debrabrozlaw.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/debrabrozlaw.com\/#organization","name":"Debra L. Broz, abogada, PLC","url":"https:\/\/debrabrozlaw.com\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/debrabrozlaw.com\/#\/schema\/logo\/image\/","url":"https:\/\/debrabrozlaw.com\/wp-content\/uploads\/2023\/08\/debra-broz-mainlogo-2.webp","contentUrl":"https:\/\/debrabrozlaw.com\/wp-content\/uploads\/2023\/08\/debra-broz-mainlogo-2.webp","width":370,"height":58,"caption":"Debra L. Broz, Attorneys at Law, PLC"},"image":{"@id":"https:\/\/debrabrozlaw.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/DebraLBrozAttorney\/","https:\/\/x.com\/DebraBroz","https:\/\/www.linkedin.com\/company\/debra-l-broz-attorney-at-law-plc\/"]},{"@type":"Person","@id":"https:\/\/debrabrozlaw.com\/#\/schema\/person\/91b15716e3c4e12a764d7afaefdfb2e1","name":"Debra Broz Law, PLC","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/b4830b96567683e4b89d511d12e5bf31ebab08d60a7289c5b176f4b02c8d47da?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b4830b96567683e4b89d511d12e5bf31ebab08d60a7289c5b176f4b02c8d47da?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b4830b96567683e4b89d511d12e5bf31ebab08d60a7289c5b176f4b02c8d47da?s=96&d=mm&r=g","caption":"Debra Broz Law, PLC"},"sameAs":["https:\/\/debrabrozlaw.com"],"url":"https:\/\/debrabrozlaw.com\/es\/blog\/author\/blake\/"}]}},"_links":{"self":[{"href":"https:\/\/debrabrozlaw.com\/es\/wp-json\/wp\/v2\/posts\/46178","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/debrabrozlaw.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/debrabrozlaw.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/debrabrozlaw.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/debrabrozlaw.com\/es\/wp-json\/wp\/v2\/comments?post=46178"}],"version-history":[{"count":0,"href":"https:\/\/debrabrozlaw.com\/es\/wp-json\/wp\/v2\/posts\/46178\/revisions"}],"wp:attachment":[{"href":"https:\/\/debrabrozlaw.com\/es\/wp-json\/wp\/v2\/media?parent=46178"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/debrabrozlaw.com\/es\/wp-json\/wp\/v2\/categories?post=46178"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/debrabrozlaw.com\/es\/wp-json\/wp\/v2\/tags?post=46178"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}