{"id":42370,"date":"2025-10-31T15:53:14","date_gmt":"2025-10-31T19:53:14","guid":{"rendered":"https:\/\/staging.jgwentworth.com\/resources\/"},"modified":"2025-10-31T15:54:50","modified_gmt":"2025-10-31T19:54:50","slug":"does-bankruptcy-clear-tax-debt","status":"publish","type":"post","link":"https:\/\/www.jgwentworth.com\/resources\/does-bankruptcy-clear-tax-debt","title":{"rendered":"Does Bankruptcy Clear Tax Debt?"},"content":{"rendered":"<?xml encoding=\"UTF-8\"><?xml encoding=\"UTF-8\"><div data-elementor-type=\"wp-post\" data-elementor-id=\"42370\" class=\"elementor elementor-42370\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41a43d88 e-flex e-con-boxed e-con e-parent\" data-id=\"41a43d88\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-64132e19 e-con-full elementor-hidden-tablet elementor-hidden-mobile elementor-hidden-mobile_extra e-flex e-con e-child\" data-id=\"64132e19\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-33fa99ec blog-post-cta e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-hidden-widescreen elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-mobile_extra e-flex e-con e-child\" data-id=\"33fa99ec\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e547ea3 elementor-widget elementor-widget-heading\" data-id=\"4e547ea3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">On this page<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ad6c496 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6ad6c496\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4faf2055 elementor-widget elementor-widget-heading\" data-id=\"4faf2055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 1<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6350c539 elementor-widget elementor-widget-heading\" data-id=\"6350c539\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 2<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b10dc3a elementor-widget elementor-widget-heading\" data-id=\"3b10dc3a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 3<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-602956f9 elementor-widget elementor-widget-heading\" data-id=\"602956f9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 4<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cc4021 elementor-widget elementor-widget-heading\" data-id=\"7cc4021\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 5<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42831532 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"42831532\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 6<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fb43cc3 e-con-full e-flex e-con e-child\" data-id=\"2fb43cc3\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-457831e0 e-con-full e-flex e-con e-child\" data-id=\"457831e0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f680173 elementor-widget elementor-widget-heading\" data-id=\"3f680173\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What's next<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7105af9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7105af9\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b1690c9 elementor-grid-1 elementor-widget__width-initial 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.elementor-element.elementor-element-2ae5ee4b .elementor-heading-title{font-size:18px;line-height:28px;}}\n\n\n\n\n\n\n\n\/* Start custom CSS for container, class: .elementor-element-4e39701 *\/.blog-post-v-meta {\n}\/* End custom CSS *\/\n\n\n\n\n\/* Start custom CSS for container, class: .elementor-element-765d732 *\/.blog-post-v-category {\n    overflow: hidden;\n    text-overflow: ellipsis;\n    max-width: 50%;\n    white-space: nowrap;\n}\n\na.blog-post-card {\n    text-decoration: none;\n    font-weight: 700;\n}\/* End custom CSS *\/\n<\/style><?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"5707\" class=\"elementor elementor-5707 e-loop-item e-loop-item-23367 post-23367 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-765d732 e-con-full blog-post-card e-flex e-con e-parent\" data-id=\"765d732\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/11-word-phrase-to-stop-debt-collectors\">\n\t\t<div class=\"elementor-element elementor-element-754d47d5 e-con-full e-flex e-con e-child\" data-id=\"754d47d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bfe12be elementor-widget__width-initial elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"7bfe12be\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"183\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/07\/Stopping-debt-collectors-300x183.jpg\" class=\"attachment-medium size-medium wp-image-23368\" alt=\"Stopping debt collectors\" srcset=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/07\/Stopping-debt-collectors-300x183.jpg 300w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/07\/Stopping-debt-collectors-1024x626.jpg 1024w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/07\/Stopping-debt-collectors-768x470.jpg 768w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/07\/Stopping-debt-collectors.jpg 1310w\" sizes=\"(max-width: 300px) 100vw, 300px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab917a4 e-con-full e-flex e-con e-child\" data-id=\"ab917a4\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-1c721395 e-con-full e-flex e-con e-child\" data-id=\"1c721395\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-d92f2ba e-con-full e-flex e-con e-child\" data-id=\"d92f2ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07b6235 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"07b6235\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0c746 elementor-widget elementor-widget-shortcode\" data-id=\"ff0c746\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e39701 e-con-full blog-post-v-meta e-flex e-con e-child\" data-id=\"4e39701\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab0ff7d elementor-widget elementor-widget-heading\" data-id=\"1ab0ff7d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Feb 4, 2026<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0da9b9 elementor-widget elementor-widget-heading\" data-id=\"f0da9b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e2f415 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"76e2f415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">11 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae5ee4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ae5ee4b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">What is the 11-Word Phrase to Stop Debt Collectors?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"5707\" class=\"elementor elementor-5707 e-loop-item e-loop-item-9119 post-9119 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured tag-form\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-765d732 e-con-full blog-post-card e-flex e-con e-parent\" data-id=\"765d732\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/how-to-get-a-debt-lawsuit-dismissed\">\n\t\t<div class=\"elementor-element elementor-element-754d47d5 e-con-full e-flex e-con e-child\" data-id=\"754d47d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bfe12be elementor-widget__width-initial elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"7bfe12be\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Judge-Dismissing-Debt-Lawsuit-300x169.jpg\" class=\"attachment-medium size-medium wp-image-11199\" alt=\"Judge Dismissing Debt Lawsuit\" srcset=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Judge-Dismissing-Debt-Lawsuit-300x169.jpg 300w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Judge-Dismissing-Debt-Lawsuit-768x432.jpg 768w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Judge-Dismissing-Debt-Lawsuit.jpg 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab917a4 e-con-full e-flex e-con e-child\" data-id=\"ab917a4\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-1c721395 e-con-full e-flex e-con e-child\" data-id=\"1c721395\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-d92f2ba e-con-full e-flex e-con e-child\" data-id=\"d92f2ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07b6235 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"07b6235\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0c746 elementor-widget elementor-widget-shortcode\" data-id=\"ff0c746\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e39701 e-con-full blog-post-v-meta e-flex e-con e-child\" data-id=\"4e39701\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab0ff7d elementor-widget elementor-widget-heading\" data-id=\"1ab0ff7d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Aug 14, 2025<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0da9b9 elementor-widget elementor-widget-heading\" data-id=\"f0da9b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e2f415 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"76e2f415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">10 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae5ee4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ae5ee4b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">How to Get a Debt Lawsuit Dismissed<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"5707\" class=\"elementor elementor-5707 e-loop-item e-loop-item-13832 post-13832 post type-post status-publish format-standard has-post-thumbnail hentry category-annuity-purchasing tag-featured\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-765d732 e-con-full blog-post-card e-flex e-con e-parent\" data-id=\"765d732\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/when-should-i-start-taking-money-out-of-my-annuity\">\n\t\t<div class=\"elementor-element elementor-element-754d47d5 e-con-full e-flex e-con e-child\" data-id=\"754d47d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bfe12be elementor-widget__width-initial elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"7bfe12be\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Icon-of-man-about-to-break-piggy-bank.jpg-300x225.webp\" class=\"attachment-medium size-medium wp-image-13833\" alt=\"man breaking piggy bank\" srcset=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Icon-of-man-about-to-break-piggy-bank.jpg-300x225.webp 300w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Icon-of-man-about-to-break-piggy-bank.jpg-768x576.webp 768w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Icon-of-man-about-to-break-piggy-bank.jpg.webp 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab917a4 e-con-full e-flex e-con e-child\" data-id=\"ab917a4\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-1c721395 e-con-full e-flex e-con e-child\" data-id=\"1c721395\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-d92f2ba e-con-full e-flex e-con e-child\" data-id=\"d92f2ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07b6235 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"07b6235\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Annuity Purchasing<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0c746 elementor-widget elementor-widget-shortcode\" data-id=\"ff0c746\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e39701 e-con-full blog-post-v-meta e-flex e-con e-child\" data-id=\"4e39701\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab0ff7d elementor-widget elementor-widget-heading\" data-id=\"1ab0ff7d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Apr 3, 2024<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0da9b9 elementor-widget elementor-widget-heading\" data-id=\"f0da9b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e2f415 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"76e2f415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae5ee4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ae5ee4b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">When Should I Start Taking Money Out of My Annuity?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"5707\" class=\"elementor elementor-5707 e-loop-item e-loop-item-12417 post-12417 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured tag-form\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-765d732 e-con-full blog-post-card e-flex e-con e-parent\" data-id=\"765d732\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/can-i-still-use-my-credit-card-after-debt-consolidation\">\n\t\t<div class=\"elementor-element elementor-element-754d47d5 e-con-full e-flex e-con e-child\" data-id=\"754d47d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bfe12be elementor-widget__width-initial elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"7bfe12be\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-300x200.jpg\" class=\"attachment-medium size-medium wp-image-12418\" alt=\"man with phone and credit card\" srcset=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-300x200.jpg 300w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-1024x683.jpg 1024w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-768x512.jpg 768w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-1536x1024.jpg 1536w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab917a4 e-con-full e-flex e-con e-child\" data-id=\"ab917a4\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-1c721395 e-con-full e-flex e-con e-child\" data-id=\"1c721395\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-d92f2ba e-con-full e-flex e-con e-child\" data-id=\"d92f2ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07b6235 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"07b6235\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0c746 elementor-widget elementor-widget-shortcode\" data-id=\"ff0c746\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e39701 e-con-full blog-post-v-meta e-flex e-con e-child\" data-id=\"4e39701\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab0ff7d elementor-widget elementor-widget-heading\" data-id=\"1ab0ff7d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Mar 20, 2024<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0da9b9 elementor-widget elementor-widget-heading\" data-id=\"f0da9b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e2f415 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"76e2f415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae5ee4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ae5ee4b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Can I Still Use My Credit Card after Debt Consolidation?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16c195f e-con-full blog-post-cta elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-hidden-widescreen elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-mobile_extra e-flex e-con e-child\" data-id=\"16c195f\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-5274bd09 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5274bd09\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Earn a high-yield savings rate with JG Wentworth Debt Relief<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ca2dc1c elementor-widget elementor-widget-heading\" data-id=\"7ca2dc1c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Start Saving &gt;<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-169a0d7e e-con-full e-flex e-con e-child\" data-id=\"169a0d7e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-262e172d elementor-widget elementor-widget-template\" data-id=\"262e172d\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t<?xml encoding=\"UTF-8\"><div data-elementor-type=\"container\" data-elementor-id=\"1978\" class=\"elementor elementor-1978\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41c6ac9b e-flex e-con-boxed e-con e-parent\" data-id=\"41c6ac9b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-de6340d e-con-full blog-breadcrumb e-flex e-con e-child\" data-id=\"de6340d\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-51eb5ed2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51eb5ed2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"\/our-blog\">BLOG<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-661a8a8d elementor-widget__width-initial icon-12 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"661a8a8d\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6968b394 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6968b394\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.jgwentworth.com\/category\/debt-resolution\" rel=\"tag\">Debt Resolution<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ff6eaf5 elementor-widget elementor-widget-heading\" data-id=\"7ff6eaf5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Can I Still Use My Credit Card after Debt Consolidation?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3246123b e-con-full e-flex e-con e-child\" data-id=\"3246123b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bfedb00 elementor-widget elementor-widget-heading\" data-id=\"3bfedb00\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">by<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f650a5 elementor-widget elementor-widget-heading\" data-id=\"5f650a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">JG Wentworth<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4855ac56 elementor-widget elementor-widget-heading\" data-id=\"4855ac56\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-660d6a54 elementor-widget elementor-widget-heading\" data-id=\"660d6a54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">March 20, 2024<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60e45cc7 elementor-widget elementor-widget-heading\" data-id=\"60e45cc7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c907c8d elementor-widget elementor-widget-heading\" data-id=\"2c907c8d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5 min<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-172dec19 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"172dec19\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-768x512.jpg\" class=\"attachment-medium_large size-medium_large wp-image-12418\" alt=\"man with phone and credit card\" srcset=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-768x512.jpg 768w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-300x200.jpg 300w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-1024x683.jpg 1024w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-1536x1024.jpg 1536w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-2048x1365.jpg 2048w\" sizes=\"(max-width: 768px) 100vw, 768px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fda1c05 e-con-full e-flex e-con e-child\" data-id=\"6fda1c05\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-243e105d elementor-widget elementor-widget-text-editor\" data-id=\"243e105d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>This information is provided for educational and informational purposes only. Such information or materials do not constitute and are not intended to provide legal, accounting, or tax advice and should not be relied on in that respect. We suggest that You consult an attorney, accountant, and\/or financial advisor to answer any financial or legal questions<\/em><\/p><p>Facing overwhelming tax debt can feel like being trapped in an inescapable financial prison. The IRS&rsquo;s collection powers are formidable, and many Americans struggling with unpaid taxes wonder if bankruptcy might offer a way out. The answer is more nuanced than a simple yes or no&mdash;while <a href=\"https:\/\/www.jgwentworth.com\/resources\/does-bankruptcy-clear-all-debt\">bankruptcy can discharge certain tax debts<\/a>, strict requirements govern which taxes qualify for elimination.<\/p><p>Let&rsquo;s take a closer look at how bankruptcy interacts with tax debt, which types of tax obligations can be discharged, the rules that determine eligibility, and the alternatives you should consider before filing.<\/p><h2>The basic relationship between bankruptcy and tax debt<\/h2><p>Bankruptcy exists to give honest but unfortunate debtors <a href=\"https:\/\/www.jgwentworth.com\/resources\/bankruptcy-a-complete-guide\">a fresh financial start<\/a>. However, Congress has carved out significant exceptions for tax debts, recognizing that government operations depend on tax revenue. The result is a complex set of rules that allow some tax debts to be discharged while protecting others.<\/p><p>The two most common types of personal bankruptcy&mdash;Chapter 7 and Chapter 13&mdash;treat tax debt differently.<\/p><ul><li>Chapter 7 bankruptcy, often called &ldquo;<a href=\"https:\/\/www.jgwentworth.com\/resources\/how-much-debt-do-you-need-to-file-for-chapter-7-bankruptcy\">liquidation bankruptcy<\/a>,&rdquo; can potentially eliminate qualifying tax debts entirely within three to four months.<\/li><\/ul><p>&nbsp;<\/p><ul><li>Chapter 13 bankruptcy, known as &ldquo;<a href=\"https:\/\/www.jgwentworth.com\/resources\/what-happens-to-debt-when-you-file-for-chapter-13-bankruptcy\">reorganization bankruptcy<\/a>,&rdquo; creates a three-to-five-year repayment plan that may allow you to pay back taxes without penalties and interest, though the original tax debt isn&rsquo;t necessarily eliminated.<\/li><\/ul><p>The critical point to understand is that not all tax debt is created equal in bankruptcy court. The law distinguishes between priority and non-priority tax debts, and only non-priority tax debts can potentially be discharged.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cacb45b elementor-widget elementor-widget-template\" data-id=\"cacb45b\" data-element_type=\"widget\" id=\"cta-sticky\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t<?xml encoding=\"UTF-8\"><div data-elementor-type=\"container\" data-elementor-id=\"23771\" class=\"elementor elementor-23771\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f3ec3c9 e-con-full e-flex e-con e-child\" data-id=\"5f3ec3c9\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\",\"sticky\":\"top\",\"sticky_offset\":73,\"animation\":\"none\",\"sticky_offset_mobile\":63,\"sticky_on\":[\"widescreen\",\"desktop\",\"laptop\",\"tablet_extra\",\"tablet\",\"mobile_extra\",\"mobile\"],\"sticky_effects_offset\":0,\"sticky_anchor_link_offset\":0}'>\n\t\t<div class=\"elementor-element elementor-element-f6bac85 e-con-full e-flex e-con e-child\" data-id=\"f6bac85\" data-element_type=\"container\" id=\"cta-sticky-message\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e88a0bf elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3e88a0bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Start Your Free Debt Relief Consultation<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a5d667b elementor-widget elementor-widget-button\" data-id=\"6a5d667b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.jgwentworth.com\/debt-step3\" target=\"_blank\" impression=\"1\" data-name=\"Apply Now\" data-parent=\"floating CTA\" data-type=\"button\" id=\"cta-sticky-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72a6d5c e-con-full e-flex e-con e-child\" data-id=\"72a6d5c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-351b91e elementor-align-right elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"351b91e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"cta-sticky-exit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">X<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20f89bc elementor-widget elementor-widget-template\" data-id=\"20f89bc\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t<?xml encoding=\"UTF-8\"><div data-elementor-type=\"container\" data-elementor-id=\"24220\" class=\"elementor elementor-24220\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc3fb7b e-con-full blog-details-form-container e-flex e-con e-child\" data-id=\"fc3fb7b\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-95a3473 elementor-widget elementor-widget-text-editor\" data-id=\"95a3473\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Take your next step towards being debt-free<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dac006f eael-gravity-form-button-full-width elementor-widget elementor-widget-eael-gravity-form\" data-id=\"dac006f\" data-element_type=\"widget\" data-widget_type=\"eael-gravity-form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"eael-contact-form eael-gravity-form eael-contact-form-align-default\">\n\t\t        <script src=\"https:\/\/www.jgwentworth.com\/wp-includes\/js\/jquery\/jquery.min.js?ver=3.7.1\"><\/script><script src=\"https:\/\/www.jgwentworth.com\/wp-content\/plugins\/jgw-multistep-form\/js\/jquery.inputmask.min.js\"><\/script>    <script type=\"text\/javascript\">\n        document.addEventListener('DOMContentLoaded', function () {\n            function addSpinner(button) {\n                button.addEventListener('click', function () {\n                    var ajax_spinner = document.querySelector('img.gform_ajax_spinner');\n                    if (ajax_spinner) {\n                        ajax_spinner.remove();\n                    }\n\n                    if (!button.parentNode.classList.contains('gform_button_wrapper')) {\n                        var wrapper = document.createElement('div');\n                        wrapper.classList.add('gform_button_wrapper');\n                        button.parentNode.insertBefore(wrapper, button);\n                        wrapper.appendChild(button);\n                    }\n\n                    button.parentNode.classList.add('loading');\n\n                    let spinnerImg = button.parentNode.querySelector('.gform_ajax_spinner');\n                    button.value = '';\n                    if (!spinnerImg) {\n                        spinnerImg = document.createElement('span');\n                        spinnerImg.classList.add('loader');\n                        button.parentNode.appendChild(spinnerImg);\n                    }\n                });\n            }\n\n            function initializeForm(form) {\n                var buttons = form.querySelectorAll('input[type=\"submit\"], .gform_next_button');\n                if (buttons.length === undefined) {\n                    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prepopulate fields with the referring URL\n          let refurls = document.querySelectorAll(`[data-name=\"referringurl\"]`);\n          refurls.forEach(function(inputField) {\n            inputField.value = window.location.href;\n          });\n          \/\/ prepopulate fields with those from cookies\n          let cookies = getCookies();\n          Object.keys(cookies).forEach(function(cookieName) {\n            let cookieValue = cookies[cookieName];\n            let matchingFields = document.querySelectorAll(`[data-name=\"${cookieName}\"]`);\n\n            matchingFields.forEach(function(inputField) {\n              inputField.value = cookieValue;\n            });\n          });\n          \/\/ prepopulate fields with those from query cookie if not already set from query string\n          if (cookies['query']) {\n            let query_cookie = JSON.parse(cookies['query']);\n            Object.keys(query_cookie).forEach(function(name) {\n              let value = query_cookie[name];\n              let matchingFields = document.querySelectorAll(`[data-name=\"${name}\"]`);\n\n              matchingFields.forEach(function(inputField) {\n                if (!inputField.value) {\n                  inputField.value = value;\n                }\n              });\n          });\n          }\n        }\n        updateFields();\n\n        \/\/ Listen for Gravity Forms page transitions\n        jQuery(document).on('gform_page_loaded', function() {\n          updateFields();\n        });\n      });\n    <\/script>\n        <style>\n          .move-consent-below-buttons {\n              visibility: hidden;\n              height: 0;\n          }\n      <\/style>\n      <script>\n        document.addEventListener('DOMContentLoaded', function () {\n          \/\/ move these classes under the buttons of their own page\n          jQuery('.move-consent-below-buttons').each(function (index, element) {\n            let parent = element.closest('.gform_page');\n            if (parent === null) {\n              parent = jQuery('form');\n            }\n            jQuery(element).parent().detach().appendTo(parent);\n            jQuery(element).css({\n              'visibility': 'visible',\n              'height': 'auto'\n            });\n          });\n          if (jQuery('.jgw-multi-step-form .gf_step_current_page').text() == '') {\n            jQuery('#dr-form-top-heading').css('visibility', 'hidden').css('height', '0');\n          }\n        });\n      <\/script>\n    <link rel=\"preload\" as=\"style\" onload=\"this.onload=null;this.rel='stylesheet'\" id=\"gravity_forms_theme_reset-css\" href=\"https:\/\/www.jgwentworth.com\/wp-content\/plugins\/gravityforms\/assets\/css\/dist\/gravity-forms-theme-reset.min.css?ver=2.9.22\" media=\"all\">\n<link rel=\"preload\" as=\"style\" onload=\"this.onload=null;this.rel='stylesheet'\" id=\"gravity_forms_theme_foundation-css\" href=\"https:\/\/www.jgwentworth.com\/wp-content\/plugins\/gravityforms\/assets\/css\/dist\/gravity-forms-theme-foundation.min.css?ver=2.9.22\" media=\"all\">\n<link rel=\"preload\" as=\"style\" onload=\"this.onload=null;this.rel='stylesheet'\" id=\"gravity_forms_theme_framework-css\" href=\"https:\/\/www.jgwentworth.com\/wp-content\/plugins\/gravityforms\/assets\/css\/dist\/gravity-forms-theme-framework.min.css?ver=2.9.22\" media=\"all\">\n<link rel=\"preload\" as=\"style\" onload=\"this.onload=null;this.rel='stylesheet'\" id=\"gravity_forms_orbital_theme-css\" href=\"https:\/\/www.jgwentworth.com\/wp-content\/plugins\/gravityforms\/assets\/css\/dist\/gravity-forms-orbital-theme.min.css?ver=2.9.22\" media=\"all\">\n\n                <div class=\"gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital jgw-multi-step-form_wrapper moved-disclaimer-content_wrapper gf-save-value-dr-ef_wrapper\" data-form-theme=\"orbital\" data-form-index=\"0\" id=\"gform_wrapper_5\"><style>#gform_wrapper_5[data-form-index=\"0\"].gform-theme,[data-parent-form=\"5_0\"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url(\"data:image\/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-icon-ctrl-select: url(\"data:image\/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-icon-ctrl-search: url(\"data:image\/svg+xml,%3Csvg width='640' height='640' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}<\/style>\n                        <div class=\"gform_heading\">\n                            <p class=\"gform_description\"><\/p>\n\t\t\t\t\t\t\t<p class=\"gform_required_legend\">\"<span class=\"gfield_required gfield_required_asterisk\">*<\/span>\" indicates required fields<\/p>\n                        <\/div><form data-product=\"Debt Resolution\" data-type=\"Lead Submission\" data-name=\"DR Multi Step Form\" method=\"post\" enctype=\"multipart\/form-data\" target=\"gform_ajax_frame_5\" id=\"gform_5\" class=\"jgw-multi-step-form moved-disclaimer-content gf-save-value-dr-ef\" action=\"\/wp-json\/wp\/v2\/posts\/42370\" data-formid=\"5\" novalidate>\n        <div id=\"gf_progressbar_wrapper_5\" class=\"gf_progressbar_wrapper\" data-start-at-zero=\"\">\n        \t<p class=\"gf_progressbar_title\">Step <span class=\"gf_step_current_page\">1<\/span> of <span class=\"gf_step_page_count\">4<\/span><span class=\"gf_step_page_name\"> - Debt Amount<\/span>\n        \t<\/p>\n            <div class=\"gf_progressbar gf_progressbar_blue\" aria-hidden=\"true\">\n                <div class=\"gf_progressbar_percentage percentbar_blue percentbar_25\" style=\"width:25%;\"><span>25%<\/span><\/div>\n            <\/div><\/div><div class=\"gf_custom_steps\"><div class=\"gf_step completed \"><\/div><div class=\"gf_step_connector\"><\/div><div class=\"gf_step  current\"><\/div><div class=\"gf_step_connector\"><\/div><div class=\"gf_step  current\"><\/div><\/div>\n                        <div class=\"gform-body gform_body\"><div id=\"gform_page_5_1\" class=\"gform_page \" data-js=\"page-field-id-0\" data-number=\"1\" data-name=\"Debt Amount\">\n\t\t\t\t\t<div class=\"gform_page_fields\"><div id=\"gform_fields_5\" class=\"gform_fields top_label form_sublabel_above description_above validation_below\"><div id=\"field_5_21\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full less-margin-bottom gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><h2>Choose your debt amount<\/h2><\/div><div id=\"field_5_14\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-full range-slider field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\">        <div class=\"ginput_container ginput_container_range\">\n            <div class=\"range-slider-block\">\n                <input data-api=\"credit_card_debt_amount\" data-name=\"credit_card_debt_amount\" name=\"input_14\" id=\"input_5_14\" type=\"range\" value=\"20000\" min=\"10000\" max=\"100000\" step=\"5000\" oninput='updateRangeValue(this, 14, \"10000\", \"100000\");'>\n                <span class=\"range-slider-min-value\">$10,000<\/span>\n                <span class=\"range-slider-max-value\">$100,000+<\/span>\n            <\/div>\n            <label for=\"range_value_14\" id=\"range_value_14\" class=\"range-slider-value-label\">\n                $20,000            <\/label>\n        <\/div>\n        <script>\n            function updateRangeValue(input, fieldId, min, max) {\n                var formattedValue = \"$\" + new Intl.NumberFormat().format(input.value.replace(\/,\/g, ''));\n                document.getElementById(\"range_value_\" + fieldId).textContent = formattedValue;\n            }\n        <\/script>\n        <\/div><\/div>\n                    <\/div>\n                    <div class=\"gform-page-footer gform_page_footer top_label\">\n                         <input type=\"button\" id=\"gform_next_button_5_15\" class=\"gform_next_button gform-theme-button button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"next\" value=\"Continue\"> \n                    <\/div>\n                <\/div>\n                <div id=\"gform_page_5_2\" class=\"gform_page\" data-js=\"page-field-id-15\" style=\"display:none;\" data-number=\"2\" data-name=\"Zip Code\">\n                    <div class=\"gform_page_fields\">\n                        <div id=\"gform_fields_5_2\" class=\"gform_fields top_label form_sublabel_above description_above validation_below\"><div id=\"field_5_22\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full less-margin-bottom gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><h2>Where are you located?<\/h2><\/div><div id=\"field_5_13\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full zipcode-validation field-400 overlap-label gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_13\">Zip Code<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_text\"><input inputmode=\"numeric\" data-api=\"zipcode\" data-name=\"zipcode\" name=\"input_13\" id=\"input_5_13\" type=\"text\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\"><\/div>        <script>\n            (function($) {\n                $(document).ready(function(){\n                    $('.zipcode-validation input').inputmask('99999');\n                });\n            })(jQuery);\n        <\/script><\/div><\/div>\n                    <\/div>\n                    <div class=\"gform-page-footer gform_page_footer top_label\">\n                        <input type=\"button\" id=\"gform_previous_button_5_17\" class=\"gform_previous_button gform-theme-button gform-theme-button--secondary button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"previous\" value=\"Back\"> <input type=\"button\" id=\"gform_next_button_5_17\" class=\"gform_next_button gform-theme-button button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"next\" value=\"Continue\"> \n                    <\/div>\n                <\/div>\n                <div id=\"gform_page_5_3\" class=\"gform_page\" data-js=\"page-field-id-17\" style=\"display:none;\" data-event=\"submit\" data-number=\"3\" data-name=\"Contact Information\">\n                    <div class=\"gform_page_fields\">\n                        <div id=\"gform_fields_5_3\" class=\"gform_fields top_label form_sublabel_above description_above validation_below\"><div id=\"field_5_23\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full less-margin-bottom gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><h2>Contact Information<\/h2><\/div><div id=\"field_5_9\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half first-name-validation overlap-label gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_9\">First Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_text\"><input data-api=\"first_name\" data-name=\"first_name\" name=\"input_9\" id=\"input_5_9\" type=\"text\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\"><\/div><\/div><div id=\"field_5_10\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half last-name-validation overlap-label gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_10\">Last Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_text\"><input data-api=\"last_name\" data-name=\"last_name\" name=\"input_10\" id=\"input_5_10\" type=\"text\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\"><\/div><\/div><div id=\"field_5_11\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-half overlap-label email-validation gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_11\">Email Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_email\">\n                            <input data-api=\"email_address\" data-name=\"email_address\" name=\"input_11\" id=\"input_5_11\" type=\"email\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\">\n                        <\/div><\/div><div id=\"field_5_12\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-half phone-validation overlap-label gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_12\">Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_phone\"><input inputmode=\"numeric\" data-api=\"phone_number\" data-name=\"phone_number\" name=\"input_12\" id=\"input_5_12\" type=\"tel\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\"><\/div>        <script>\n            (function($) {\n                $(document).ready(function(){\n                    $('.phone-validation input').inputmask('(999) 999-9999');\n                });\n            })(jQuery);\n        <\/script><\/div><div id=\"field_5_25\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><p class=\"st-disclaimer-small\">By clicking \"Continue\" you consent to allowing JG Wentworth to contact you as described below.<\/p><\/div><div id=\"field_5_31\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><p class=\"move-consent-below-buttons\" style=\"text-align:center; font-size:12px; color:#3F4644\">By submitting this form, I am providing JG Wentworth, with express written consent to contact me regarding product offerings by SMS\/text messages or by using an auto dialer (or automated means) at the phone number(s) provided and such consent is not a condition of a purchase. I further consent to initial contact outside of permissible state and federal call times if made within approximately one hour of submission. Message and data rates may apply. You can opt-out of this service at any time by replying to our last message with &ldquo;STOP&rdquo;. For assistance, please call any number listed on this website. I also consent and agree to JG Wentworth&rsquo;s <a style=\"font-size:12px; text-decoration:underline\" href=\"\/jg-wentworth-company-r-consumer-privacy-notice\" target=\"_blank\">Privacy Policy<\/a> and <a style=\"font-size:12px; text-decoration:underline\" href=\"\/terms-use\" target=\"_blank\">Terms of Use.<\/a><\/p><\/div><\/div>\n                    <\/div>\n                    <div class=\"gform-page-footer gform_page_footer top_label\">\n                        <input type=\"button\" id=\"gform_previous_button_5_18\" class=\"gform_previous_button gform-theme-button gform-theme-button--secondary button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"previous\" value=\"Back\"> <input type=\"button\" id=\"gform_next_button_5_18\" class=\"gform_next_button gform-theme-button button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"next\" value=\"Continue\"> \n                    <\/div>\n                <\/div>\n                <div id=\"gform_page_5_4\" class=\"gform_page\" data-js=\"page-field-id-18\" style=\"display:none;\" data-number=\"4\" data-name=\"Address\">\n                    <div class=\"gform_page_fields\">\n                        <div id=\"gform_fields_5_4\" class=\"gform_fields top_label form_sublabel_above description_above validation_below\"><div id=\"field_5_24\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full less-margin-bottom gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><h2>Confirm Your Address<\/h2>\n<\/div><div id=\"field_5_26\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full address-validation overlap-label adr-street gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_26\">Street Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_text\"><input data-api=\"address\" data-name=\"address\" name=\"input_26\" id=\"input_5_26\" type=\"text\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\"><\/div><\/div><div id=\"field_5_27\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half city-validation overlap-label adr-citi gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_27\">City<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_text\"><input data-api=\"city\" data-name=\"city\" name=\"input_27\" id=\"input_5_27\" type=\"text\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\"><\/div><\/div><div id=\"field_5_28\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half overlap-label adr-state gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_28\">State<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><select data-api=\"state\" data-name=\"state\" name=\"input_28\" id=\"input_5_28\" class=\"medium gfield_select\" aria-describedby=\"gfield_description_5_28\" required><option value=\"\">Select State<\/option><option value=\"AL\">Alabama<\/option><option value=\"AK\">Alaska<\/option><option value=\"AZ\">Arizona<\/option><option value=\"AR\">Arkansas<\/option><option value=\"CA\">California<\/option><option 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I acknowledge that this request for a consumer report is being made in accordance with my explicit consent and instructions as required under the FCRA.<\/p><\/div><\/div><\/div>\n        <div class=\"gform-page-footer gform_page_footer top_label\"><input type=\"submit\" id=\"gform_previous_button_5\" class=\"gform_previous_button gform-theme-button gform-theme-button--secondary button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"previous\" value=\"Back\"> <input type=\"submit\" id=\"gform_submit_button_5\" class=\"gform_button button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"submit\" value=\"Submit\"> <input type=\"hidden\" name=\"gform_ajax\" value=\"form_id=5&amp;title=&amp;description=1&amp;tabindex=0&amp;theme=orbital&amp;hash=211d01d8d3d11279c004e158303b08aa\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"gform_submission_method\" data-js=\"gform_submission_method_5\" value=\"iframe\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"gform_theme\" data-js=\"gform_theme_5\" id=\"gform_theme_5\" value=\"orbital\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"gform_style_settings\" data-js=\"gform_style_settings_5\" id=\"gform_style_settings_5\" value=\"\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"is_submit_5\" value=\"1\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"gform_submit\" value=\"5\">\n            \n            <input type=\"hidden\" class=\"gform_hidden\" name=\"gform_unique_id\" value=\"\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"state_5\" value=\"WyJ7XCIyMC4xXCI6XCI4ZGVlY2FkOTAyMDA0MzNhZGMyN2Q3ZjQ3OGYwOGJkNFwiLFwiMjAuMlwiOlwiMDNiZjViMTY4NjJmYmM4YmU3Y2JjY2NkNjgxNzg2OTNcIixcIjIwLjNcIjpcIjhkZWVjYWQ5MDIwMDQzM2FkYzI3ZDdmNDc4ZjA4YmQ0XCJ9IiwiYjkzNDE3NWM5YmJkMjFhYzY2NjJmNjEzNTg0ZTYzYmEiXQ==\">\n            <input type=\"hidden\" autocomplete=\"off\" class=\"gform_hidden\" name=\"gform_target_page_number_5\" id=\"gform_target_page_number_5\" value=\"2\">\n            <input type=\"hidden\" autocomplete=\"off\" class=\"gform_hidden\" name=\"gform_source_page_number_5\" id=\"gform_source_page_number_5\" value=\"1\">\n            <input type=\"hidden\" name=\"gform_field_values\" value=\"\">\n            \n        <\/div>\n             <\/div><\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style=\"display:none;width:0px;height:0px;\" src=\"about:blank\" name=\"gform_ajax_frame_5\" id=\"gform_ajax_frame_5\" title=\"This iframe contains the logic required to handle Ajax powered Gravity Forms.\"><\/iframe>\n\t\t                <script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 5, 'https:\/\/www.jgwentworth.com\/wp-content\/themes\/hello-elementor-child\/img\/spinner.svg', true );jQuery('#gform_ajax_frame_5').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = jQuery(this).contents().find('body').hasClass('GF_AJAX_POSTBACK');if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_5');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_5').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! 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This countdown begins from the return&rsquo;s due date, including any extensions you properly requested. For example, if you&rsquo;re considering bankruptcy in 2025, only taxes from returns due in 2022 or earlier would satisfy this requirement.<\/li><\/ul><p><strong>&nbsp;<\/strong><\/p><ul><li>It&rsquo;s important to note that extensions affect this calculation. If you filed for an extension on your 2020 tax return, moving the due date from April 15, 2021, to October 15, 2021, the three-year clock wouldn&rsquo;t start until October 15, 2021.<\/li><\/ul><p><strong>The two-year rule<\/strong><\/p><ul><li>You must have filed the tax return for the debt in question at least two years before filing for bankruptcy. This rule trips up many people who fell behind on filing returns. Even if the underlying tax year is old enough to satisfy the three-year rule, if you only recently filed the return, you must wait two years from that filing date.<\/li><\/ul><p>&nbsp;<\/p><ul><li>This requirement becomes particularly complicated with substitute returns. When taxpayers fail to file, the IRS can file a substitute return on their behalf. Taxes assessed from these IRS-prepared returns generally <a href=\"https:\/\/www.jgwentworth.com\/resources\/what-are-non-dischargeable-debts\">cannot be discharged<\/a> because the taxpayer never actually filed a return. Courts have consistently held that a substitute for return prepared by the IRS doesn&rsquo;t constitute a return filed by the taxpayer.<\/li><\/ul><p><strong>The 240-day rule<\/strong><\/p><ul><li>At least 240 days must have passed between the date the IRS assessed the tax and your bankruptcy filing date. Assessment typically occurs when you file your return, but it can happen later if the IRS audits you or discovers additional taxes owed.<\/li><\/ul><p>&nbsp;<\/p><ul><li>This 240-day period can be extended in certain circumstances. If you previously filed an offer in compromise, submitted a request for innocent spouse relief, or filed a previous bankruptcy petition, these actions suspend the 240-day clock. The suspension period gets added to the required 240 days, potentially pushing back the date when your tax debt becomes dischargeable.<\/li><\/ul><p><strong>The fraud rule<\/strong><\/p><ul><li>You must not have filed a fraudulent return or willfully attempted to evade paying taxes. Tax fraud includes deliberately falsifying information on your return, claiming deductions you know you&rsquo;re not entitled to, or hiding income. Tax evasion involves actions taken to avoid paying taxes you know you owe, such as hiding assets or using false Social Security numbers.<\/li><\/ul><p>&nbsp;<\/p><ul><li>These are high bars to meet. The IRS must prove fraud or evasion, which requires showing intentional wrongdoing rather than mere mistakes or negligence. However, if the IRS can demonstrate fraud or evasion, the associated tax debt can never be discharged in bankruptcy, regardless of how old it becomes.<\/li><\/ul><p><strong>The valid return rule<\/strong><\/p><ul><li>You must have filed a valid, proper tax return. This requirement connects closely to the two-year rule but goes further. The return must have been honest and legitimate, filed in good faith, and included all required information. Courts have struggled with what constitutes a &ldquo;valid return,&rdquo; particularly regarding late-filed returns.<\/li><\/ul><p>&nbsp;<\/p><ul><li>Some courts have held that returns filed after the IRS has already taken collection action don&rsquo;t qualify as valid returns for discharge purposes. This remains an evolving area of bankruptcy law with some disagreement among different court jurisdictions.<\/li><\/ul><h2>Types of tax debt that cannot be discharged<\/h2><p>Even in bankruptcy, certain tax-related debts remain non-dischargeable regardless of how old they are or whether they meet the discharge rules.<\/p><ul><li><strong>Recent income taxes: <\/strong>As explained above, income taxes from the most recent three tax years generally cannot be discharged. Even if you filed for extensions or faced other complications, recent tax debts typically survive bankruptcy.<\/li><\/ul><p><strong>&nbsp;<\/strong><\/p><ul><li><strong>Trust fund taxes: <\/strong>Trust fund taxes are amounts you withheld from others but failed to pay to the government. The most common examples are payroll taxes that employers withhold from employee wages and sales taxes that businesses collect from customers. These are considered funds held &ldquo;in trust&rdquo; for the government, and bankruptcy law prevents their discharge.<\/li><\/ul><p><strong>&nbsp;<\/strong><\/p><ul><li><strong>Tax liens: <\/strong>Tax liens create a secured interest in your property. While bankruptcy can eliminate your personal liability for the underlying tax debt (if it meets the discharge requirements), it cannot eliminate liens that attached to your property before you filed for bankruptcy. This means the IRS retains the right to collect from property that had a lien on it before your bankruptcy filing.<\/li><\/ul><p><strong>&nbsp;<\/strong><\/p><ul><li><strong>Property taxes: <\/strong>Property taxes less than one year old before your bankruptcy filing cannot be discharged. Additionally, property taxes on property you didn&rsquo;t own aren&rsquo;t dischargeable since they remain attached to the property itself.<\/li><\/ul><p><strong>&nbsp;<\/strong><\/p><ul><li><strong>Penalties on non-dischargeable taxes: <\/strong>Penalties and interest that accrued on non-dischargeable tax debts also cannot be discharged. However, penalties on dischargeable taxes may themselves be dischargeable if they meet certain time requirements.<\/li><\/ul><h2>How Chapter 7 bankruptcy handles tax debt<\/h2><p>Chapter 7 bankruptcy can completely eliminate qualifying tax debts:<\/p><ul><li>When you file Chapter 7, an automatic stay immediately stops most IRS collection activities, including <a href=\"https:\/\/www.jgwentworth.com\/resources\/can-a-debt-collector-garnish-your-wages\">wage garnishments<\/a>, bank levies, and collection calls.<\/li><\/ul><p>&nbsp;<\/p><ul><li>If your tax debt meets all five discharge requirements, it will be wiped out when you receive your bankruptcy discharge, typically three to four months after filing.<\/li><\/ul><p>&nbsp;<\/p><ul><li>However, <a href=\"https:\/\/www.jgwentworth.com\/resources\/what-you-cant-do-after-chapter-7-bankruptcy\">Chapter 7 has limitations<\/a> for dealing with tax debt. It only helps with dischargeable taxes&mdash;non-dischargeable tax debts survive the bankruptcy and become collectible again once your case concludes. If the IRS has placed liens on your property before you file, those liens survive even if the underlying debt is discharged.<\/li><\/ul><p>&nbsp;<\/p><ul><li>Additionally, Chapter 7 requires you to pass a means test showing your income is below your state&rsquo;s median or that you lack sufficient disposable income to repay creditors. Not everyone qualifies for Chapter 7 relief.<\/li><\/ul><h2>How Chapter 13 bankruptcy handles tax debt<\/h2><p>Chapter 13 bankruptcy offers different advantages for dealing with tax debt, particularly when your taxes don&rsquo;t meet the discharge requirements.<\/p><ul><li>Rather than liquidating assets, Chapter 13 creates a court-approved repayment plan lasting three to five years.<\/li><\/ul><p>&nbsp;<\/p><ul><li>In Chapter 13, priority tax debts&mdash;those that don&rsquo;t meet the discharge requirements&mdash;must be paid in full through your repayment plan, but you benefit in several ways. Interest and penalties stop accruing once you file, potentially saving thousands of dollars. You can stretch repayment over three to five years rather than facing aggressive IRS collection tactics. The automatic stay protects you throughout the plan period, preventing wage garnishments and levies as long as you make your plan payments.<\/li><\/ul><p>&nbsp;<\/p><ul><li>Non-priority tax debts that meet the discharge requirements are treated as general unsecured debts in Chapter 13. You pay them through the plan <a href=\"https:\/\/www.jgwentworth.com\/resources\/should-you-file-for-bankruptcy-for-credit-card-debt\">along with credit cards<\/a> and medical bills, often receiving only pennies on the dollar. Any remaining balance on these qualifying tax debts receives a discharge when you complete your plan.<\/li><\/ul><p>&nbsp;<\/p><ul><li>Chapter 13 also provides tools for dealing with tax liens. Through a process called lien stripping or lien cramming (depending on your jurisdiction and circumstances), you may be able to address liens on certain types of property.<\/li><\/ul><h2>Special considerations for different types of taxes<\/h2><p>While income taxes receive the most attention in bankruptcy planning, other types of taxes have their own rules.<\/p><ul><li><strong>Payroll taxes: <\/strong>As mentioned earlier, the employee portion of payroll taxes&mdash;amounts withheld from workers&rsquo; wages&mdash;can never be discharged because they&rsquo;re trust fund taxes. The employer&rsquo;s portion of payroll taxes (the employer&rsquo;s matching contribution) may be dischargeable if it meets the time requirements, though this remains a complex area with different courts reaching different conclusions.<\/li><\/ul><p><strong>&nbsp;<\/strong><\/p><ul><li><strong>Self-employment taxes: <\/strong>Self-employment taxes present a hybrid situation. The IRS considers part of self-employment tax to be equivalent to trust fund taxes (representing the employee portion) and part to be employer taxes. Some courts hold that none of the self-employment tax can be discharged, while others allow the employer portion to be discharged if time requirements are met. This variation in court approaches makes self-employment tax discharge particularly unpredictable.<\/li><\/ul><p><strong>&nbsp;<\/strong><\/p><ul><li><strong>Sales taxes: <\/strong>Collected sales taxes are trust fund taxes that cannot be discharged. If you operated a business and collected sales tax from customers but failed to remit it to the state, that debt survives bankruptcy.<\/li><\/ul><p><strong>&nbsp;<\/strong><\/p><ul><li><strong>State and local income taxes: <\/strong>State and local income taxes follow the same discharge rules as federal income taxes. They must meet the three-year, two-year, and 240-day requirements, and you cannot have engaged in fraud or evasion. Many people facing federal tax problems also owe state taxes from the same years, and both may qualify for discharge together if requirements are met.<\/li><\/ul><h2>The automatic stay and its limitations with tax debt<\/h2><p>When you file bankruptcy, the automatic stay immediately stops most collection activities. This powerful tool halts wage garnishments, bank levies, collection letters, and phone calls. However, the automatic stay has important limitations regarding tax matters.<\/p><ul><li>The IRS can continue certain activities despite the stay, including conducting audits, issuing tax deficiency notices, demanding tax returns, and assessing taxes.<\/li><\/ul><p>&nbsp;<\/p><ul><li>The IRS can also issue a notice of tax deficiency and demand payment for taxes, though it cannot actually collect without court permission.<\/li><\/ul><p>&nbsp;<\/p><ul><li>For criminal tax matters, the automatic stay provides no protection. Tax-related criminal prosecutions proceed regardless of bankruptcy filing.<\/li><\/ul><h2>Is bankruptcy right for your tax situation?<\/h2><p>Deciding <a href=\"https:\/\/www.jgwentworth.com\/resources\/how-much-debt-is-worth-filing-for-bankruptcy\">whether to file bankruptcy<\/a> for tax debt requires careful analysis of multiple factors:<\/p><ol><li>Calculate how much of your tax debt would actually be discharged. If most of your tax debt is recent (less than three years old), consists of trust fund taxes, or has liens attached, bankruptcy may provide limited benefit.<\/li><\/ol><p>&nbsp;<\/p><ol start=\"2\"><li>Consider your other debts. If you&rsquo;re also struggling with credit cards, <a href=\"https:\/\/www.jgwentworth.com\/resources\/can-medical-debt-affect-your-credit-health\">medical bills<\/a>, personal loans, and other unsecured debts, bankruptcy might make sense even if it doesn&rsquo;t eliminate all your tax debt. The discharge of other debts can free up income to address remaining tax obligations.<\/li><\/ol><p>&nbsp;<\/p><ol start=\"3\"><li>Evaluate the alternatives. Could you negotiate an offer in compromise or set up an affordable installment agreement? These options avoid bankruptcy&rsquo;s impact on your credit and public record.<\/li><\/ol><p>&nbsp;<\/p><ol start=\"4\"><li>Assess your overall financial situation. Do you have significant assets that would be liquidated in Chapter 7? Can you afford Chapter 13 plan payments while keeping up with current expenses and new tax obligations?<\/li><\/ol><p>&nbsp;<\/p><ol start=\"5\"><li>Consider timing carefully. If your tax debt doesn&rsquo;t currently meet the discharge requirements but will in six months or a year, waiting might significantly improve the outcome of bankruptcy.<\/li><\/ol><h2>Working with professionals<\/h2><p>Both tax law and bankruptcy law are complex, and their intersection creates particular challenges. Most people benefit from professional guidance when considering bankruptcy for tax debt.<\/p><ul><li>A bankruptcy attorney can evaluate whether your taxes meet discharge requirements, advise on Chapter 7 versus Chapter 13, and represent you throughout the bankruptcy process. Many bankruptcy attorneys, however, have limited tax expertise.<\/li><\/ul><p>&nbsp;<\/p><ul><li>A tax professional, such as a CPA or enrolled agent experienced in tax resolution, can analyze your tax situation, explore IRS programs, and potentially negotiate settlements. Tax professionals cannot, however, provide bankruptcy legal advice or represent you in bankruptcy court.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47a6e31 elementor-widget elementor-widget-text-editor\" data-id=\"47a6e31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The ideal approach often involves both professionals working together&mdash;a bankruptcy attorney handling the legal proceedings and a tax professional addressing tax-specific issues. Before hiring any professional, verify their credentials, experience with tax bankruptcy cases specifically, and fee structure. Many offer free initial consultations to evaluate your situation.<\/p><h2>The bottom line<\/h2><p>For taxpayers with dischargeable tax debt along with other overwhelming obligations, bankruptcy can provide meaningful relief and a genuine fresh start. Chapter 7 can eliminate qualifying tax debts entirely, while Chapter 13 provides time to repay priority tax debts without aggressive collection actions and with stopped interest and penalties.<\/p><p>However, bankruptcy isn&rsquo;t a magic solution for all tax problems. It won&rsquo;t help with very recent taxes, trust fund obligations, or most tax liens. The decision to file bankruptcy should come only after careful evaluation of your specific situation, consideration of alternatives, and consultation with qualified professionals.<\/p><h2>There&rsquo;s always JG Wentworth&hellip;<\/h2><p>Do you have $10,000 or more in <a href=\"https:\/\/www.jgwentworth.com\/resources\/what-is-unsecured-debt\">unsecured debt<\/a>? If so, there&rsquo;s a good chance you&rsquo;ll qualify for the JG Wentworth <a href=\"https:\/\/www.jgwentworth.com\/debt-relief\">Debt Relief Program<\/a>.* Some of our program perks include:&nbsp;<\/p><ul><li><strong>One monthly program payment<\/strong>&nbsp;<\/li><\/ul><ul><li><strong>We negotiate on your behalf<\/strong>&nbsp;<\/li><\/ul><ul><li><strong>Average debt resolution in as little as 48-60 months<\/strong>&nbsp;<\/li><\/ul><ul><li><strong>We only get paid when we settle your debt<\/strong>&nbsp;&nbsp;<\/li><\/ul><p><a href=\"https:\/\/www.jgwentworth.com\/resources\/is-debt-relief-right-for-you\">If you think you qualify<\/a> for our program, give us a call today so we can go over the best options for your specific financial needs. Why go it alone when you can have a dedicated team on your side?&nbsp;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e24633d e-flex e-con-boxed e-con e-child\" data-id=\"4e24633d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e9e6d0c e-con-full e-flex e-con e-child\" data-id=\"3e9e6d0c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-335f46f5 elementor-widget elementor-widget-template\" data-id=\"335f46f5\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t<?xml encoding=\"UTF-8\"><div data-elementor-type=\"container\" data-elementor-id=\"1972\" class=\"elementor elementor-1972\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c4ddeb3 e-con-full blog-post-author e-flex e-con e-parent\" data-id=\"7c4ddeb3\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3e309cf8 e-flex e-con-boxed e-con e-child\" data-id=\"3e309cf8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37a051fb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"37a051fb\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f9eedf e-con-full e-flex e-con e-child\" data-id=\"7f9eedf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d120753 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4d120753\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">About the author<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-661e21c5 e-con-full e-flex e-con e-child\" data-id=\"661e21c5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae0c8f9 elementor-widget elementor-widget-image\" data-id=\"3ae0c8f9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.jgwentworth.com\/author\/jg-wentworth\">\n\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/03\/FB-96x96.jpg\" title=\"\" alt=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39382164 e-con-full e-flex e-con e-child\" data-id=\"39382164\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49e5a49e elementor-widget elementor-widget-heading\" data-id=\"49e5a49e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.jgwentworth.com\/author\/jg-wentworth\">JG Wentworth<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70137974 elementor-widget elementor-widget-text-editor\" data-id=\"70137974\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tJG Wentworth is a financial services company that specializes in structured settlement\/annuity purchasing and debt relief solutions, among other offerings. For over 30 years, we have established a sterling reputation, including an A+ from the Better Business Bureau, a 4.8 rating with TrustPilot, and 4 stars from Consumer Affairs among countless rave reviews from satisfied customers.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25ef5468 e-flex e-con-boxed e-con e-parent\" data-id=\"25ef5468\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-333e141f elementor-widget elementor-widget-template\" data-id=\"333e141f\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t<?xml encoding=\"UTF-8\"><div data-elementor-type=\"container\" data-elementor-id=\"1990\" class=\"elementor elementor-1990\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-304a1d6c e-con-full page-content e-flex e-con e-parent\" data-id=\"304a1d6c\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-700f0e9d e-con-full e-con-jgw-boxed e-flex e-con e-child\" data-id=\"700f0e9d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4ff119d8 e-con-full e-flex e-con e-child\" data-id=\"4ff119d8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e9942c1 elementor-widget elementor-widget-heading\" data-id=\"3e9942c1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Recommended reading for you<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f944f15 elementor-grid-4 elementor-widget__width-inherit elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"f944f15\" data-element_type=\"widget\" data-settings='{\"template_id\":\"2009\",\"columns\":4,\"_skin\":\"post\",\"columns_tablet\":\"2\",\"columns_mobile\":\"1\",\"edit_handle_selector\":\"[data-elementor-type=\\\"loop-item\\\"]\",\"row_gap\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_widescreen\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_laptop\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_tablet_extra\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_tablet\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_mobile_extra\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_mobile\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]}}' data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-2009\">.blog-post-card {\n    text-decoration: none;\n}\n.elementor-2009 .elementor-element.elementor-element-63e2468f{--display:flex;--flex-direction:column;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--justify-content:flex-end;--align-items:flex-end;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--border-radius:0px 0px 0px 0px;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-2009 .elementor-element.elementor-element-63e2468f.e-con{--align-self:center;}.elementor-2009 .elementor-element.elementor-element-1b694e78{--display:flex;}.elementor-widget-theme-post-featured-image .widget-image-caption{color:var( --e-global-color-text );font-weight:var( --e-global-typography-text-font-weight );}.elementor-2009 .elementor-element.elementor-element-b92bc70{width:100%;max-width:100%;}.elementor-2009 .elementor-element.elementor-element-b92bc70 img{width:100%;height:185px;object-fit:cover;object-position:top center;filter:brightness( 100% ) contrast( 100% ) saturate( 100% ) blur( 0px ) hue-rotate( 0deg );transition-duration:0.3s;border-radius:8px 8px 8px 8px;}.elementor-2009 .elementor-element.elementor-element-b92bc70:hover img{filter:brightness( 105% ) contrast( 100% ) saturate( 105% ) blur( 0px ) hue-rotate( 0deg );}.elementor-2009 .elementor-element.elementor-element-9989779{--display:flex;--flex-direction:column;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--justify-content:flex-start;--align-items:flex-start;--gap:5px 5px;--row-gap:5px;--column-gap:5px;--border-radius:0px 0px 0px 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.elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:12px;font-weight:400;line-height:18px;color:#787878;}.elementor-2009 .elementor-element.elementor-element-2077109a .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-weight:100;line-height:18px;color:var( --e-global-color-c438c4e );}.elementor-2009 .elementor-element.elementor-element-18d01b46{width:initial;max-width:initial;text-align:left;}.elementor-2009 .elementor-element.elementor-element-18d01b46 > .elementor-widget-container{margin:0px 0px 0px 0px;}.elementor-2009 .elementor-element.elementor-element-18d01b46.elementor-element{--flex-grow:0;--flex-shrink:0;}.elementor-2009 .elementor-element.elementor-element-18d01b46 .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:12px;font-weight:400;line-height:18px;color:#787878;}.elementor-2009 .elementor-element.elementor-element-21a0dd5{width:initial;max-width:initial;}.elementor-2009 .elementor-element.elementor-element-5cb7e76e{width:var( --container-widget-width, 100% );max-width:100%;--container-widget-width:100%;--container-widget-flex-grow:0;text-align:left;}.elementor-2009 .elementor-element.elementor-element-5cb7e76e > .elementor-widget-container{margin:0px 0px 0px 0px;}.elementor-2009 .elementor-element.elementor-element-5cb7e76e.elementor-element{--flex-grow:0;--flex-shrink:0;}.elementor-2009 .elementor-element.elementor-element-5cb7e76e .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:18px;font-weight:700;text-decoration:none;line-height:28px;color:rgba(63,70,68,1);}.elementor-widget-theme-post-excerpt .elementor-widget-container{font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-2009 .elementor-element.elementor-element-5ebb83e .elementor-widget-container{font-family:\"Poppins\", Sans-serif;font-size:16px;font-weight:400;line-height:24px;}@media(min-width:768px){.elementor-2009 .elementor-element.elementor-element-63e2468f{--width:100%;}}@media(max-width:1024px){.elementor-2009 .elementor-element.elementor-element-b92bc70 img{height:200px;}}@media(max-width:767px){.elementor-2009 .elementor-element.elementor-element-b92bc70 img{height:168px;}.elementor-2009 .elementor-element.elementor-element-9989779{--justify-content:flex-start;}.elementor-2009 .elementor-element.elementor-element-e3b1d68{--align-items:flex-start;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );}.elementor-2009 .elementor-element.elementor-element-5f334874{--align-items:center;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );}.elementor-2009 .elementor-element.elementor-element-5cb7e76e .elementor-heading-title{font-size:16px;line-height:24px;}}\n\n\/* Start custom CSS for heading, class: .elementor-element-71fded65 *\/.blog-post-card .elementor-heading-title {\n    vertical-align: middle;\n}\/* End custom CSS *\/\n\n\n\n\n\n\n\n\n\n\/* Start custom CSS for container, class: .elementor-element-9989779 *\/.post-text {\n    height: 165px;\n    overflow: hidden;\n    flex-wrap: initial;\n    --mask: linear-gradient(to bottom, \n      rgba(0,0,0, 1) 0,   rgba(0,0,0, 1) 70%, \n      rgba(0,0,0, 0) 99%, rgba(0,0,0, 0) 0\n  ) 100% 50% \/ 100% 100% repeat-x;\n  -webkit-mask: var(--mask); \n  mask: var(--mask);\n}\/* End custom CSS *\/\n\n\/* Start custom CSS for container, class: .elementor-element-63e2468f *\/a.blog-post-card {\n    text-decoration: none;\n}\/* End custom CSS *\/\n<\/style><?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"2009\" class=\"elementor elementor-2009 e-loop-item e-loop-item-23367 post-23367 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-63e2468f e-con-full blog-post-card e-flex e-con e-child\" data-id=\"63e2468f\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/11-word-phrase-to-stop-debt-collectors\">\n\t\t<div class=\"elementor-element elementor-element-1b694e78 e-con-full e-flex e-con e-child\" data-id=\"1b694e78\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92bc70 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"b92bc70\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/elementor\/thumbs\/Stopping-debt-collectors-qrona18xvzt9cbgywnyrfz1ohs5jrupapzm90hgknc.jpg\" title=\"Stopping debt collectors\" alt=\"Stopping debt collectors\" loading=\"lazy\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9989779 e-con-full post-text e-flex e-con e-child\" data-id=\"9989779\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-e3b1d68 e-con-full e-flex e-con e-child\" data-id=\"e3b1d68\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71fded65 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"71fded65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f334874 e-con-full e-flex e-con e-child\" data-id=\"5f334874\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-51481055 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51481055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Feb 4, 2026<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2077109a elementor-widget elementor-widget-heading\" data-id=\"2077109a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d01b46 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"18d01b46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">11 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a0dd5 elementor-widget__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"21a0dd5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb7e76e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5cb7e76e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">What is the 11-Word Phrase to Stop Debt Collectors?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ebb83e elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5ebb83e\" data-element_type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tSounds like magic, right? Thankfully, there&rsquo;s no spell required. In this blog, we'll explore this phrase, its origins, how to use it, and what it means for your rights as a consumer....\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"2009\" class=\"elementor elementor-2009 e-loop-item e-loop-item-9119 post-9119 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured tag-form\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-63e2468f e-con-full blog-post-card e-flex e-con e-child\" data-id=\"63e2468f\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/how-to-get-a-debt-lawsuit-dismissed\">\n\t\t<div class=\"elementor-element elementor-element-1b694e78 e-con-full e-flex e-con e-child\" data-id=\"1b694e78\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92bc70 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"b92bc70\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/elementor\/thumbs\/Judge-Dismissing-Debt-Lawsuit-qq6r0zkzb9qfif3wa14eo4xlx97ndatwpb4jnrc5ai.jpg\" title=\"Court of Law Trial in Session: Honorable Female Judge Pronouncing Sentence, striking Gavel. Focus on Mallet, Hammer. Cinematic Shot of Dramatic Not Guilty Verdict. Close-up Shot.\" alt=\"Judge Dismissing Debt Lawsuit\" loading=\"lazy\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9989779 e-con-full post-text e-flex e-con e-child\" data-id=\"9989779\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-e3b1d68 e-con-full e-flex e-con e-child\" data-id=\"e3b1d68\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71fded65 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"71fded65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f334874 e-con-full e-flex e-con e-child\" data-id=\"5f334874\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-51481055 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51481055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Aug 14, 2025<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2077109a elementor-widget elementor-widget-heading\" data-id=\"2077109a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d01b46 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"18d01b46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">10 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a0dd5 elementor-widget__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"21a0dd5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb7e76e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5cb7e76e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">How to Get a Debt Lawsuit Dismissed<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ebb83e elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5ebb83e\" data-element_type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tThere are several legitimate legal strategies that can lead to debt lawsuit dismissal. Let's take a look at the top 3....\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"2009\" class=\"elementor elementor-2009 e-loop-item e-loop-item-13832 post-13832 post type-post status-publish format-standard has-post-thumbnail hentry category-annuity-purchasing tag-featured\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-63e2468f e-con-full blog-post-card e-flex e-con e-child\" data-id=\"63e2468f\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/when-should-i-start-taking-money-out-of-my-annuity\">\n\t\t<div class=\"elementor-element elementor-element-1b694e78 e-con-full e-flex e-con e-child\" data-id=\"1b694e78\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92bc70 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"b92bc70\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/elementor\/thumbs\/Icon-of-man-about-to-break-piggy-bank.jpg-qpju7z5llu8mb1v4m2a7s2cg62adwlmqyjn1clgng8.webp\" title=\"Icon of man about to break piggy bank\" alt=\"man breaking piggy bank\" loading=\"lazy\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9989779 e-con-full post-text e-flex e-con e-child\" data-id=\"9989779\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-e3b1d68 e-con-full e-flex e-con e-child\" data-id=\"e3b1d68\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71fded65 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"71fded65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Annuity Purchasing<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f334874 e-con-full e-flex e-con e-child\" data-id=\"5f334874\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-51481055 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51481055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Apr 3, 2024<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2077109a elementor-widget elementor-widget-heading\" data-id=\"2077109a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d01b46 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"18d01b46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a0dd5 elementor-widget__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"21a0dd5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb7e76e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5cb7e76e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">When Should I Start Taking Money Out of My Annuity?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ebb83e elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5ebb83e\" data-element_type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tDiscover expert advice on when to start taking money out of your annuity with JG Wentworth. Learn about the best strategies for maximizing your retirement income and making informed financial decisions. Visit our page for...\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"2009\" class=\"elementor elementor-2009 e-loop-item e-loop-item-12417 post-12417 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured tag-form\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-63e2468f e-con-full blog-post-card e-flex e-con e-child\" data-id=\"63e2468f\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/can-i-still-use-my-credit-card-after-debt-consolidation\">\n\t\t<div class=\"elementor-element elementor-element-1b694e78 e-con-full e-flex e-con e-child\" data-id=\"1b694e78\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92bc70 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"b92bc70\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/elementor\/thumbs\/man-with-phone-and-credit-card-qq6r34nqvonxyfzxryftclhemunqwhbwbwmd0g5vfo.jpg\" title=\"man with phone and credit card\" alt=\"man with phone and credit card\" loading=\"lazy\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9989779 e-con-full post-text e-flex e-con e-child\" data-id=\"9989779\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-e3b1d68 e-con-full e-flex e-con e-child\" data-id=\"e3b1d68\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71fded65 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"71fded65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f334874 e-con-full e-flex e-con e-child\" data-id=\"5f334874\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-51481055 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51481055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Mar 20, 2024<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2077109a elementor-widget elementor-widget-heading\" data-id=\"2077109a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d01b46 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"18d01b46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a0dd5 elementor-widget__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"21a0dd5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb7e76e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5cb7e76e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Can I Still Use My Credit Card after Debt Consolidation?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ebb83e elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5ebb83e\" data-element_type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tCan you use your credit card after debt consolidation? Learn about the implications, benefits, and strategies for responsible credit card use post-consolidation to maintain financial health....\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64bda95f e-flex e-con-boxed e-con e-parent\" data-id=\"64bda95f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46bbcd60 elementor-widget elementor-widget-template\" data-id=\"46bbcd60\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"28403\" class=\"elementor elementor-28403\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4014206 e-con-full e-con-jgw-boxed e-flex e-con e-parent\" data-id=\"4014206\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49acd110 elementor-widget elementor-widget-text-editor\" data-id=\"49acd110\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 12px;\"><i>* Program length varies depending on individual situation. Programs are between 24 and 60 months in length. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 43% before our 25% program fee. This is a Debt resolution program provided by JGW Debt Settlement, LLC (&ldquo;JGW&rdquo; of &ldquo;Us&rdquo;)). JGW offers this program in the following states: AL, AK, AZ, AR, CA, CO, FL, ID, IN, IA, KY, LA, MD, MA, MI, MS, MO, MT, NE, NM, NV, NY, NC, OK, PA, SD, TN, TX, UT, VA, DC, and WI. If a consumer residing in CT, GA, HI, IL, KS, ME, NH, NJ, OH, RI, SC and VT contacts Us we may connect them with a law firm that provides debt resolution services in their state. JGW is licensed\/registered to provide debt resolution services in states where licensing\/registration is required.<\/i><\/p><p style=\"font-size: 12px;\"><i>Debt resolution program results will vary by individual situation. As such, debt resolution services are not appropriate for everyone. Not all debts are eligible for enrollment. Not all individuals who enroll complete our program for various reasons, including their ability to save sufficient funds. Savings resulting from successful negotiations may result in tax consequences, please consult with a tax professional regarding these consequences. The use of the debt settlement services and the failure to make payments to creditors: (1) Will likely adversely affect your creditworthiness (credit rating\/credit score) and make it harder to obtain credit; (2) May result in your being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money you owe due to the accrual of fees and interest by creditors or debt collectors. Failure to pay your monthly bills in a timely manner will result in increased balances and will harm your credit rating. Not all creditors will agree to reduce principal balance, and they may pursue collection, including lawsuits. JGW&rsquo;s fees are calculated based on a percentage of the debt enrolled in the program. Read and understand the program agreement prior to enrollment.<\/i><\/p><p style=\"font-size: 12px;\"><i>This information is provided for educational and informational purposes only. Such information or materials do not constitute and are not intended to provide legal, accounting, or tax advice and should not be relied on in that respect. We suggest that you consult an attorney, accountant, and\/or financial advisor to answer any financial or legal questions. <br><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s take a closer look at how bankruptcy interacts with tax debt and  which types of tax obligations can be discharged.<\/p>\n","protected":false},"author":23,"featured_media":42371,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-42370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt-resolution"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.7 (Yoast SEO v25.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Bankruptcy Clear Tax Debt? 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