Richard Shea
The Federal Reserve determines interest rates that drive borrowing costs for businesses and consumers. The Fed understands monetary policy implications that keep the US economy in check. It determines whether to increase, decrease, or maintain interest rates. When the economy shows signs of inflation, the Fed may raise interest rates to reduce economic activity and … Read More
Being in debt is stressful, but trying to pay it off with a low income can feel like an impossible task. However, there are ways to cut your expenses and chip away at what you owe through smart financial management techniques and budget-friendly strategies. With some frugal living tips and discipline, you can regain control … Read More
For many Americans, owning a home is a major part of the American Dream. However, dealing with financial hardships like bankruptcy can make that dream seem out of reach. But, Can You Buy a House After Chapter 7 with a Co-Signer? If you’ve gone through a Chapter 7 bankruptcy, you may be wondering if homeownership … Read More
Before someone makes a bankruptcy filing, it is not uncommon for debtors to feel as if they have to make some tough decisions. Which creditors can they pay? Which ones will not get the payment they’re owed? This typically occurs because the debtor doesn’t have the money to pay all of their creditors, so they … Read More
Chapter 13 bankruptcy is an invaluable financial tool for those struggling with overwhelming debt, and it can pave the way for a fresh start. Unlike Chapter 7, Chapter 13 bankruptcy allows you to avoid liquidating your non-exempt assets. Instead, you pay a repayment plan over three to five years. While Chapter 13 is effective for … Read More
Chapter 7 bankruptcy is a great financial solution for those struggling with debt, especially unsecured debts. With Chapter 7 bankruptcy, you as the debtor can discharge most unsecured obligations after liquidating nonexempt assets. Because Chapter 7 involves a Chapter 7 Trustee selling off certain non-exempt assets, many who consider this bankruptcy method worry about what … Read More
Filing for bankruptcy is a great financial option for those struggling with cumbersome debt. It enables you to discharge eligible debts, such as credit card and medical debt, so that you can live with a fresh start in the future. But you may be wondering, “What Is the Impact of Bankruptcy on Professional Licenses and … Read More
Filing for bankruptcy can feel incredibly daunting, especially if you have concerns over whether it may impact your future job prospects. The sad reality is that many people hold misconceptions regarding bankruptcy filers. So, what happens if I get a job after filing Chapter 7? They believe those declaring bankruptcy are irresponsible or bad with … Read More
When you have bills piling up and you’re dealing with notices from the Internal Revenue Service (IRS), it’s time to contact an attorney to learn more about your options. You may be wondering whether you should opt for a tax attorney or a bankruptcy attorney. This page addresses the most common questions about selecting the … Read More
If you’re considering bankruptcy, you may wonder which filing type is right for you. The two basic types of bankruptcy classifications for individuals and families are Chapter 7 and Chapter 13. A common question we receive regarding these forms is whether you can reaffirm a debt during the process. Fortunately, we’re here to answer frequently … Read More
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No upfront attorney fees in qualifying cases. Pay only court filing fee, credit reporting fee, and pre-bankruptcy credit counseling session fee to get a case on file to stop garnishments, repossessions, and certain court actions. Restrictions may apply. Please call to discuss your situation and learn how we can help.
