Bankruptcy Blog

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 [...]

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 [...]

Coming in to file bankruptcy is intimidating enough, you pay this attorney some money to get the process going and he hands you this thick packet to fill out and you wonder what in the world are you going to do. You have this packet to fill out for one and now gather all [...]

A chapter 7 bankruptcy is used to discharging unsecured debts. The unsecured debts are usually credit cards and medical bills. In some cases the car and house become unsecured debts because your income has changed so much you can’t afford to continue making the payments. In the bankruptcy you surrender them back to the bank [...]

Sometimes Debtors are used to living a certain lifestyle, and then they have a reduction in pay. It is hard for them to understand that they cannot continue on with their current lifestyle based on the reduced income coming in. Debtors keep thinking something will change or they will get caught up next [...]

Today I had a client that came in to do their paperwork for a Chapter 13 bankruptcy. They have moved here from Colorado and they filed a Chapter 7 there in 2000. They have had some tough times, her husband was injured at work and has been out of work for over a [...]

By filing a chapter 7 or 13 bankruptcy It will stop the garnishment of your wages. If the IRS is the one doing the garnishment, It might be best to file a chapter 13 this will stop all interest and penalties on the debt and in most cases discharge any of the debts that are [...]

Many people who decide that they want to go through with a bankruptcy are very scared and are unsure of what is going on. They come to your office to seek counsel to help them understand the laws better and help them understand that they are making the right decision. Letting them know [...]

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, [...]

Yesterday I had a client that came in to file for a bankruptcy, chapter 13, to stop the repossession of his vehicle. We also needed to contact his landlord to notify him, because he stated that he was two months behind. Once the case is filed, it stops anything from happening, such as [...]