Bankruptcy Blog

When coming to your Bring Back appointment it is important to follow the instructions that were given at the initial consult appointment. Bringing all information required is very important, especially when the clients need to file as quickly as possible. It is also important to take careful notes on any questions that may [...]

What do you do when you become delinquent on your car payments, and they are now at your house to pick up your car, but you won’t give it to them? You can hurry up, and get to an attorney to file bankruptcy. If you want to keep your car, it would be [...]

Can I refinance my home while in Chapter 13 Bankruptcy? Yes. Refinancing your home while in Chapter 13 is not only possible, but sometimes also the best route for many debtors. Many debtors have Adjustable Rate Mortgage (ARM) loans that continue to increase until they are not feasible for their budget. By refinancing [...]

When you become aware of certain banks that will “freeze” your accounts whether or not you owe them money, it is time to change, especially when you need to file bankruptcy. Most people are concerned about where to start again, and the answer is simple– somewhere we tell you or somewhere that you [...]

When contemplating filing a bankruptcy case, it is important to have a general understanding of the debts owed and the people you owe money to. In addition to that, there are documents that are essential when filing a bankruptcy case.
Since the inception of the new bankruptcy law, it is important to be able to [...]

If you think that incurring debt with a new credit card is a good idea, think again. Do you remember the reason you filed bankruptcy in the first place? Is incurring new debt with credit cards a wise decision? I strongly recommend against it, in addition to the Chapter 13 Trustee not [...]

When people file a Chapter 7, it means that something has changed in their lives. One possible change is the need to give up a car. The idea of the bankruptcy is to be able to start over; meaning that when the income goes back up, you may be able to go buy [...]

Under the current bankruptcy law all Debtors who receive a regular pay check must be under a wage directive. Many Debtors are not happy about being forced to be under the wage directive, but it is required unless there is a good reason, such as loss of job. A motion must be filed [...]

Everyone who files a Chapter 13 case is required to attend §341 meeting of creditors. The primary reason of this hearing is for the Trustee to review all of the financial information provided by the debtor and to address any issues presented by Creditors that may appear at the hearing. Many Creditors choose [...]

What is termination of stay? A termination of stay is when a creditor has gone through the proper court procedures to get the protection lifted on their secured claim; for example a house or a vehicle. What happens is after you filed bankruptcy, you became delinquent to the mortgage company and they filed [...]