Bankruptcy Blog Archives

I have a client with a son that is disabled. He is in his 50’s and has his own place and is receiving disability, but he cannot afford to pay his medical bills that keep accumulating. His mother, my client, has been trying to help him pay his rent and medical bills, but she only [...]

Do I need to file tax returns? The answer is yes. You always want to file your taxes by the deadline each year. When you file for bankruptcy, either Chapter 7 or Chapter 13, you are required to present tax returns for the last four years. If you don’t have them filed, it is very [...]

Filing a bankruptcy is a bad thing, but it happens. People do not just wake up one day and thing I’m going to go file a bankruptcy and the need is not there. Something has happened to you life financially divorce, job loss, medical illness, or some kind of bad choice. Buying a car you [...]

One of the frustrating things about my clients is being able to get in contact with them. Before you file their case they will call you frequently to make sure everything is going okay. It seems that once the case is filed they think that is the end and they no longer need to stay [...]

Why is it so important to have insurance? When you go through a bankruptcy and even when you are not in bankruptcy, it is very important that you have insurance on your home and car. The law requires you when you are in bankruptcy to have full coverage insurance on your vehicles, if you do [...]

Filing a bankruptcy is a difficult task. Therefore, many people hire an attorney to help them through the process to get financial relief. However, it is not enough for an attorney to just file a case and hope it all goes well without staying in touch with their clients. Unlike some fields of law, representation [...]

Monday morning may be rough on some people, however during a bankruptcy the importance of showing for all appointments in vital. I personall believe that a Monday appointment is a better option because: the weekend is spent gathering all required info; after showing up the stresss will ease becasue now you have done what you [...]

When a person buys a house, they don’t think they won’t be able to afford it. However, many people find they are way in over their heads when they buy a new house. Many people finds this happens due to a divorce, death, or loss of income. There are some that just can’t afford the [...]

What do I do if I don’t want my reaffirmation any more? Under the law, you have 60 days to rescind the reaffirmation. When you do this, under the new laws, the creditors can come and take the vehicle or house even if you are current and making your payments. That is why it is [...]

For some, filing bankruptcy is an easy decision. The threat of foreclosure on one’s home, or the “repo man” taking one’s car makes the decision to file much easier, because of the urgency of the situation. For others however, they have a little more time to make the decision, which enables them to be better [...]