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If you are planning to file a personal bankruptcy and you are expecting a tax refund, it is essential that you confer with us as soon as possible. This blog will provide general guidance, but it is important to let us review your individual circumstances and determine...
You have probably heard that credit card debt is one of the main reasons people have to file for bankruptcy. What you may be surprised to learn is that the actual debt may not be the cause as much as the interest that accumulates on the debt! If you are somebody who...
If you are planning to file a personal bankruptcy, one of your major concerns is likely what will happen to your assets. Fortunately, bankruptcy law provides numerous exemptions that exclude certain types of property from being included in your bankruptcy estate. In...
If you are looking for an alternative to filing for bankruptcy protection, you may be considering debt settlement. In debt settlement, you negotiate with your lender(s) to pay a smaller amount than what is owed as payment in full. While this may seem like the perfect...
If you have lost your job, you may be wondering if you can obtain relief from your debt by filing a bankruptcy case. There is no law that requires an individual to be employed in order to qualify for bankruptcy protection. As a matter of fact, loss of employment is...
When you are struggling financially, you may be wondering if you have sufficient debt to qualify for bankruptcy protection. The good news is that there is no minimum amount of debt required to file a Chapter 7 or Chapter 13 case. Your eligibility to file a personal...
When you are preparing for a bankruptcy filing, there are certain mistakes you want to avoid. Failure to do so could result in your bankruptcy discharge being less effective and, in more serious cases, render you ineligible to obtain a discharge of your debt. Below...
When we meet with new clients, we are often surprised at the amount of confusion and misunderstandings that surround the topic of bankruptcy. There has been a lot of discussion lately about what types of debts cannot be discharged in bankruptcy, so this blog will...
Many of our clients have been responsible with their finances all of their lives, but they had an unexpected negative event occur in their life that devastated them financially. The most common examples of negative events that lead to a bankruptcy filing are loss of a...
Many people who meet with us want to know if they can keep their car if they file for Chapter 7 bankruptcy. This is very important because the car is needed for many people to get to work or to school As with most things, the answer is "it depends." However, most...