What is Head of Household Status? Warning for Chapter 13 filers!

I have seen a rash recently of clients filing for Chapter 13 relief to save their homes and problems arising when their tax returns are reviewed by the Trustee.  What’s the problem?  These are married people filing separately and one … Continue reading

A great day for consumers, not such a great day for some Native Americans

Payday lender Western Sky to Cease Funding Loans – One Less Predator Out There Continue reading

Things Change – Change With Them, Even in Bankruptcy

I have had several clients contact me recently to modify their Chapter 13 plans to reflect the changing circumstances of their lives.  Some changes are good:  one couple adopted three little boys and got a loan mod; some are bad:  … Continue reading

After a Bankruptcy – Restart Your Financial Life By Rebuilding Your Financial Reputation

Getting through a bankruptcy is just the beginning. What is also important is what happens next. We have begun offering a post-discharge credit education course to our clients through www.720creditscore.com. We offer the course FREE to new clients and existing … Continue reading

Top Five Things People Worry About in Bankruptcy – And Shouldn’t

I wrote a legal guide on Avvo yesterday about ten things to consider when thinking of talking to a bankruptcy attorney. Tonight, I follow up with the top five things that people panic about when thinking of bankruptcy and shouldn’t: … Continue reading

Bankruptcy should not be a last resort – think proactively

Think proactively about handling your debt situation before you have nothing left. Continue reading

This Should be Interesting – Casey Anthony Files for Chapter 7 Relief

Bankruptcy lawyers around the nation now get to make their comments in the apparently never ending Casey Anthony saga! Ms. Anthony filed for relief under Chapter 7 with around $800,000 in various kinds of unsecured debt. OK…she can do that, … Continue reading

Congress Passes Fiscal Cliff Avoidance Measure – Major Catastrophe Postponed but Not Totally Averted.

The House passed an unamended version of the Senate’s widely bipartisan bill averting the most immediate “fiscal cliff” effects, according to CNN. The good thing is that unemployment benefits are extended another year. The bad thing is the myriad pressing … Continue reading

Bills to Pay – What Should People Considering or Preparing for Bankruptcy Keep Paying?

I get asked by clients quite often, “What do I have to pay when I file for bankruptcy?” This is a loaded question, since there are many obligations that will, in fact, survive the filing of a case under the … Continue reading

Why do I need a Lawyer to File for Bankruptcy – Because DIY Bankruptcies can REALLY cost you.

There are a lot of companies and “do it yourself” people who are stating that an attorney is not necessary to file for bankruptcy. This is true, to a point. You can undertake pretty much any legal proceeding on your … Continue reading