Baran Bulkat


Baran Bulkat is a former consumer bankruptcy attorney with extensive experience in Chapter 7 and Chapter 13 bankruptcy filings as well as debt settlement. He has authored numerous bankruptcy and debt management articles on as well as other Nolo sites. He has also updated a previous edition of Nolo's book,  How to File for Chapter 7 Bankruptcy.

In addition to his bankruptcy experience, Baran also worked as an analyst and compliance manager for a large financial planning firm where he obtained his Series 7, 24, and 66 securities licenses.

Baran received his undergraduate degree in business management from Georgia Tech and his law degree from California Western School of Law.

Baran's Other Pages

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Articles By Baran Bulkat

Is Social Security Income Counted in the Chapter 7 Bankruptcy Means Test?
Are Social Security and unemployment income counted in the bankruptcy means test?
Child Support Debt in Chapter 13 Bankruptcy
Filing for Chapter 13 bankruptcy will not discharge your obligations -- but it can help you to get caught up.
Should I File Bankruptcy Now After Moving to a New State?
You might be better off delaying your bankruptcy filing when you move to a new state. It depends on your old and new states' exemptions.
Am I Liable for My Spouse's Credit Card Debt?
Most states (called common law states) use common law rules when determining who is liable for a particular debt in a marriage. In common law states, you are usually only liable for credit card debt if the obligation is in your name.
What Is the Difference Between a Debt Collector and a Creditor?
If any of your debts are in default, you have probably received numerous calls from debt collectors wanting you to make payments. The Fair Debt Collection Practices Act (FDCPA) protects debtors against abusive collection tactics by debt collectors. However, it does not apply to your original creditor. Read on to learn more about the difference between a debt collector and a creditor, and how it affects your rights under the FDCPA.
What Is a Credit Card Debt Write-Off?
If you fail to make payments on your credit card, the credit card company may declare your debt uncollectable. This is referred to as a credit card debt write-off (also called a credit card charge-off).
How Much Will a Lawyer Charge to Negotiate With My Creditors?
The cost of hiring an attorney to negotiate with your creditors can vary significantly depending on your circumstances. In most cases, how much a lawyer will charge depends on:
Can Chapter 13 Bankruptcy Help After a Foreclosure Notice?
I just received a foreclosure notice from the bank. Can I save my home if I file for chapter 13 bankruptcy?
Can Chapter 7 Bankruptcy Help Me Get My Driver's License Back?
If you've lost your driver's license due to unpaid traffic fines, Chapter 7 bankruptcy may help reduce your debt so you can pay the fines and get your license back.
Does the law restrict the number of times a debt collector can call me?
Federal laws don’t place a specific limit on the number of times a debt collector can call you. But the Fair Debt Collection Practices Act (FDCPA) does provide certain restrictions on how debt collectors may communicate with you including: when a debt collector can call you whether a debt collector