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Unformatted text preview: be discharged: Student loans Taxes Child support 2. Chapter 13 Reorganization 2 years before you can file again 05 Bankruptcy Act-No counseling-Self file with court-Chapter 7: 6 years-Chapter 13: No limit-No means test Behavior change Awareness to better money management-Stages of change: 1. Pre-Contemplation: Me? I dont have a problem! 2. Contemplation: Gosh, maybe I do have a problem. 3. Preparation: I need to get ready! I need more info 4. Action: Im doing it right this time. 5. Maintenance: How am I doing? Check up or tune up needed? 6. Termination...
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- Fall '10