Bankruptcy Blog

Yes the bankruptcy laws changed in October 2005. A chapter 7 bankruptcy is still a way to discharge unsecured debts, meaning credit cards medical bill, cars that have been reposed, Broken apartment leases, And many other similar type debts. You will not lose your home or car by filing the bankruptcy. Yes you [...]

All Debtors that file bankruptcy must attend a 341 hearing. The 341 hearing is also commonly referred to as Meeting of Creditors. The name can be deceiving because rarely do creditors show up for the meeting.
The Debtor must provide the Trustee with his Social Security card and a Driver’s License. If for [...]

Debtors that file bankruptcy and decide to surrender something often times will ask how long they have until the car is picked up or until their house is foreclosed on. The answer varies depending on if they file a Chapter 7 or Chapter 13 and if it is a house or a car.
If a [...]

Working in a law office, you come to rely on all the people around you. If one person fails to do their job correctly, it dominoes and causes everybody else to not be able to do their job properly or more work for somebody else.
In bankruptcy, there is a process that our office uses, [...]

While in active Chapter 13 bankruptcy, you are required to file a Motion to Incur Debt before you can purchase a vehicle. It is very important that you are in need of purchasing another auto because the Chapter 13 Trustee will require justified reason for purchase. Being bored with current vehicle and just wanted to [...]

There is so much paperwork that is needed to get a case filed. For this reason we have an appointment for our Debtors to come in and go over the paperwork to ensure we have everything we need. It is wonderful when the Debtors actually understand that we need all of this paperwork [...]

It is important to confirm your upcoming appointments, whether it is for an initial consultation, bringing paper work back in or for a signing appointment. The reason why it is important, you will see that your success rate of completing a case is much higher than if you were not to confirm an appointment. [...]

I get many complaints from clients that insist they don’t have access to fax or computer to submit thier questions in writing. Our office accepts questions via 1st class mail and this would be considered a form of submitting a question in writing.
The reason your attorney’s office request questions in writing to allow time for [...]

When a Debtor falls behind on the house payment or car payment, the creditor will file a Motion to Lift the Automatic Stay. This is usually done when the Debtor is behind 45-60 days. The motion allows the Debtor (through the attorney) to file a response to the motion and attend a hearing.
Most [...]

I was talking with another attorney yesterday and we were discussing ways to try and get our clients to be more proactive in their bankruptcy cases. In our office, the Debtors have three different appointments. Each appointment is necessary before the Debtor can move on to the next.
The first appointment is the initial [...]