Bankruptcy Blog Archives

When you have rental property that you plan on keeping and maintaining renters and at some point through the bankruptcy you plan on selling the property it is not as easy as it may seem. When you want to sell your homestead all you need is a contract between you and the buyer, present it [...]

Many people start off in a Chapter 13 bankruptcy and after about one year find themselves in the same position they were in prior to filing their case. They find that they need to make a decision and do something different to get them back on their feet and get them on track. They find [...]

Many people don’t understand that when they file for bankruptcy, they find themselves in a hard spot with their car creditor and their mortgage company. All they want to do is talk to someone to fix a small problem, but they won’t talk to you. It is frustrating, but under the bankruptcy laws, they are [...]

Emergency filings are filed frequently to stop a foreclosure. However, once the case is filed the rest of the paperwork needs to be filed within 15 days or the Bankruptcy Court will dismiss the case. For some reason, I have Debtors that will file a bankruptcy and then not show up to any more appointments [...]

When a Debtor decides is he should file a Chapter 7 or a Chapter 13 bankruptcy, there are certain things he needs to take into consideration. Mainly, a Debtor needs to be sure he knows the difference between the two so an informed decision can be made. If a Debtor is behind on his house, [...]

Understandably, you may be filing Chapter 13 bankruptcy for many reasons however the primary reason is usually mismanagement of money. A Chapter 13 Bankruptcy is a reorganization of your finances and your opportunity to get back on track. One of the keys to success is determining the difference between purchases that are necessary to maintain [...]

If you have the misfortune of becoming incarcerated long-term during your Chapter 13 bankruptcy then you need to immediately write your attorney’s office. If you intend to remain in the bankruptcy then you may need to make arrangements with friend or family member to maintain payment on your secured debts and keep current with your [...]

I have had the question come up recently about utility bills. Can you include them in the bankruptcy? The answer is yes, but keep in mind a few things when you make the decision. You can include it, but how much do you owe the utility company? Depending on how much you owe them, it [...]

Sometimes I have a Debtor who is married and his spouse doesn’t want to file bankruptcy. There is nothing in the law that requires both spouses file bankruptcy, but we still have to provide the court with certain information from the non-filing spouse. The non-filing spouse is still required to provide our office with the [...]

People come in to file for bankruptcy for a variety of reasons. They try to pick themselves up after falling and try to get their life back on track. Chapter 13 bankruptcy allows you to keep your house and cars if you find yourself being behind. After you case has been filed, you still find [...]