Rebecca McDowell

J.D. · Wayne State University Law School

Rebecca K. McDowell practiced consumer bankruptcy law for several years in the Eastern District of Michigan, representing Chapter 7 trustees as well as consumer debtors, before focusing her career on writing about the law and editing legal content.

She has authored bankruptcy articles on and other bankruptcy sites in the Nolo Network. She holds a B.A. in English from Albion College and obtained her J.D. from Wayne State University Law School in Detroit.

Articles By Rebecca McDowell

Bankruptcy and Credit Unions: Things to Look Out For
Bankruptcy and credit unions don't tend to work well together. If you have a credit union account and file for bankruptcy, you could lose your membership. The credit union can freeze your accounts, withdraw money from your checking or savings account to pay off a loan in a "setoff," and more.
Credit Card Rejection and Debt Forgiveness
Credit card companies rarely forgive your entire debt. But you might be able to settle the debt for less and get a portion forgiven.
Credit Card Debt Settlement
If you're trying to free yourself from the burden of credit card debt, you have a number of options available. If you lack the means to pay the debt in full over a reasonable period of time but are unable or unwilling to file bankruptcy, debt settlement may be an option.
Getting a Car Loan After Bankruptcy
Often people think bankruptcy will hurt their credit so much that they will never again be able to get a car loan or other credit. Fortunately, that's not the case. Many people emerge from bankruptcy and are able to finance a car. Be aware, however, that you'll likely pay high interest and fees. Read
Is Chapter 13 Bankruptcy Better for My Credit Than Chapter 7?
Chapter 13 and Chapter 7 bankruptcy will have the same affect on your credit score. But a lender might look more favorably upon Chapter 13.
Credit Union Cross-Collateralization and Bankruptcy
Watch out for cross-collateralization with credit union accounts in bankruptcy -- debts you think are unsecured might be secured.
Credit Card Debt in Chapter 13 Bankruptcy
How much of your credit card debt you must pay through your Chapter 13 bankruptcy plan depends on a number of factors. Whatever amount is left at the end of your repayment period will be discharged (wiped out).
Reopening a Bankruptcy Case
Learn when you might need to reopen a bankruptcy case, and how to do it.