Should I File?
How Long Does a Bankruptcy Take?
What is the time table for bankruptcy? – Depends on the chapter you file How long a bankruptcy will take, from the time of filing until discharge, is one of many concerns clients have when considering whether or not to file. Although this can depend on many circumstances, it mostly depends on which type, or…
Read MoreWho is not eligible for a Chapter 7 discharge?
Is It Time To File for Chapter 7 Bankruptcy Protection? Generally, the following persons are not eligible for a Chapter 7 discharge: A person who has been granted a discharge in a Ch. 7 case filed within the last 8 years. A person who has been granted a discharge in a Ch. 13 case filed within…
Read MoreCredit Counseling Requirements in Bankruptcy
A Requirement of Filing: Credit Counseling Class In 2005 Congress adopted new bankruptcy laws known as the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), one of the requirements of this new law included at requirement for debtors to obtain credit counseling from a government approved organization within 180 days before filing for bankruptcy…
Read MoreFree Bankruptcy Consultation: What To Bring To Your Appointment
Make the Most of Your Free Bankruptcy Consultation! The following items will help me get to know you so that I can analyze your bankruptcy case as quickly as possible, and leave more of your free bankruptcy consultation to answer your specific questions bankruptcy and how it may affect you. The items requested are not meant to overwhelm…
Read MoreFinancial Peace of Mind
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…
Read MoreCredit Card Tips: Be Smart With Your Credit Cards
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…
Read MoreDebt Consolidation vs. Bankruptcy
Debt consolidation is not the only option – think before you sign! Debt consolidation is unfortunately an option many bankruptcy clients have exhausted in their search for financial freedom, prior to seeking bankruptcy advice from an experienced bankruptcy attorney, but it shouldn’t be. Debt consolidation is the combining of all unsecured debt by a company who is paid by…
Read MoreChapter 13 Bankruptcy: How does it work?
A Quick Review of Chapter 13 Bankruptcy Chapter 13 bankruptcy is part of the bankruptcy code under which a debtor may repay all or a portion of their debts under the supervision and protection of the bankruptcy court. During this time, creditors are prohibited from contacting the debtor and the debtor is protected from foreclosure, just as…
Read MoreWhich Bankruptcy Filing Is Right For Me?
Chapter 7 v. Chapter 13: Find the Right Bankruptcy Filing for You How are Chapter 13 and Chapter 7 bankruptcy filing? Creditors are prohibited from contacting you while under the protection of the automatic stay, which goes into place upon the filing of either chapter; and Completion of the Credit Counseling Class is required…
Read MoreWho's Filing for Bankruptcy?
College Graduates Filing Bankruptcy at Higher Rate A report by the Institute for Financial Literacy, finds that college graduates and people with advanced degrees are filing more often. In fact, since the passage of the Bankruptcy Abuse Prevention and Protection Act, holders of higher education degrees have increased their filings by about 20 percent. Despite the rise in…
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