The Creatures of the Court and Tales of Discharge –  Bankruptcy Myths Debunked No area of law is more fraught with myths than bankruptcy law.  When you are considering filing you will hear all kinds of information which is half-true, misleading or outright false.  Like a mythical mermaid which some say lure a sailor to…

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Obtain Financial Peace of Mind Through Bankruptcy I do what I do because I love hearing a relieved client tell me that they are finally going to be able to sleep at night, or feel as if they are 20 pounds lighter.  Another favorite is the client who tells me they are able to eat…

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Set Yourself Up for Credit Success with 6 Credit Card Tips Credit cards are viewed as a  necessity of modern life, and by following a few credit card tips, they do not have to be viewed as a necessary evil.  As a bankruptcy attorney, I often see the problems that arise from the misuse and…

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Discharging Student Loans: Undue Hardship Generally, student loans are not dischargeable in bankruptcy; one of the few debts that categorically remain with a debtor once they have completed their bankruptcy.   In the past, some privately funded education loans could be discharged under Chapter 7 bankruptcy.  However, with the change of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, the definition of a non-dischargeable…

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Pre-Bankruptcy Do’s and Don’ts If your bills are pilling up and creditors are continually harassing you, but you are not sure that you will have to file bankruptcy, there are some Do’s and Don’ts which may protect some of your property if you do eventually file. DO Continue making payments on vehicles which you intend…

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If I have already filed for Chapter 7 bankruptcy protection, there are some important Do’s and Don’ts which come into play during the pendency of your case. DO continue making payments on vehicles which you intend to keep. Creditors secured by a car or truck can usually repossess the vehicle without notice to you anytime…

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The automatic stay keeps creditors away!  The filing of a bankruptcy case automatically stays (or stops) virtually all collection and other legal proceedings pending against the debtor. After a bankruptcy case is filed, the court mails a notice to all creditors ordering them to refrain from any further action against the debtor. Any creditor who intentionally violates…

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