Bankruptcy Blog Archives

By the filing of a chapter 13 it made her life better. When she came in the office she was making minimum payments on her credit cards of $550 a month and then she received a letter from the IRS for eight thousand dollars wanting a minimum payment of three hundred. The chapter 7 would [...]

I recently filed a bankruptcy for a Debtor in order to stop a foreclosure on her house. However, the Debtor filed a bankruptcy and received a discharge in a Chapter 7 in 2004, therefore; she is now not eligible for a discharge in her current bankruptcy. She just doesn’t understand why she cannot get another [...]

When you go through the bankruptcy process more than one time, there may be additional hearings that you have to attend to ensure that you have the protection of the bankruptcy codes in place. When you have re-filed at least once, there is a motion to extend stay hearing. The purpose of this hearing is [...]

When in active Chapter 13 bankruptcy, you must complete the plan base by making timely payments to the Chapter 13 Trustee for the term of your bankruptcy. If you fail to maintain timely payments to the Chapter 13 Trustee then your case may be in jeopardy of dismissal. If your case is dismissed prior to [...]

An interesting question came up today about court fines. This debtor wanted to know if court fines would be taken care of through his bankruptcy and if he could add them. I explained to him that they would need to be listed for a debt that he owes, but this type of debt is not [...]

Once you come into our office and pay us a retainer fee you can start referring creditors to our creditor hot line. Some times this does not always stop creditors from calling and you begin to receive nasty threatening calls. What you do from this point forward is to take their name and their number [...]

It is a difficult decision to make when it comes to your property and whether or not you want or need to keep your real property. You find that after filing for bankruptcy, you still can’t afford the items you want to keep, but you don’t want to let them go. The attorney’s office can [...]

Another trend that I have been noticing is people taking out pay day loans. Oh these sound like they can solve your problem when you find out that when you pay the small service fee, you are renewing the loan each time you do this. So if you only make that small fee each time [...]

It is an interesting trend that I am seeing these days. I see that most of our clients that are coming in to file for one reason or another having a large amount of medical bills. There is no shame, you are filing for bankruptcy, whether a Chapter 7 or Chapter 13 and you need [...]

Whether to file bankruptcy or not can be a big decision for a Debtor. It is important that before deciding to file all the necessary information is provided. In order for an attorney’s office to give Debtor accurate information and help a Debtor make a well informed decision, the attorney’s office must have all the [...]