The mandatory 341 meeting is a very important part of the bankruptcy process. The meeting occurs 20 to 40 days after you file for Chapter 7 or Chapter 13 bankruptcy so the court-appointed Trustee and your creditors can review your financial information before the court rules on discharging your debts or approving your Chapter 13 … Read More
Chapter 13 bankruptcy repayment plans can last three to five years. Living under a strict budget is tough. If life throws you a curve ball and your car is totaled or disabled, will you be allowed to buy a new vehicle? The Short answer is yes, the Bankruptcy Court and Trustees are not unreasonable. A … Read More
Chapter 13 bankruptcy is meant to rebuild your financial life. Filing for bankruptcy not only stops creditor harassment, it forces you to decide which executory contracts and leases you might want to retain. From the lease on your apartment to an agreement on equipment for your business, they are reviewed as part of a Chapter … Read More
Sometimes unexpected expenses just find you. If you are going through a bankruptcy, how you handle bills that you accumulate after your bankruptcy is filed can be the difference between a successful bankruptcy and continuing debt issues. Debts incurred after your case filing date are not included in your bankruptcy case. They are not discharged … Read More
Loss of a job is a leading reason many people turn to bankruptcy. There is no stipulation that a person needs to be employed to seek financial relief. Depending on the type of bankruptcy you choose, unemployment may not be a concern. A bankruptcy professional can help you work out the best option for you. … Read More
Filing for bankruptcy can help alleviate the stress of overwhelming debt. It does not mean everything in your life is put on hold. Keeping your home and car insurance up-to-date is imperative, and, in many cases, required. Insurance protects you during bankruptcy and after your case is discharged. Whether you are going through Chapter 7 … Read More
Filing for Chapter 13 provides immediate relief from your creditors but is does require some commitment. A Chapter 13 helps change the way you think about and handle money. During Chapter 13, you must dedicate yourself to staying on a budget to repay your debts. Most individuals who go through this type of bankruptcy … Read More
If you are applying to become a citizen of the United States, congratulations! Applying for citizenship does not hinge on having a spotless financial record. The main criterium is that you be of “good moral character.” A United States Citizenship and Immigration Services (USCIS) agent will determine for you what defines a “good moral character.” Your … Read More
If your debts are mounting and your creditors file lawsuits against your relating to debt, the resulting judgments can become liens against real estate (a house or land) that you own. A lien is a legal notice attached to a property, requiring the lien get paid before any transfer or refinancing of the property can … Read More
Being in debt can feel like you are living in a black hole. Everything gets sucked in or is affected by it. One of the things you do not want to have disrupted is your job. It is one of the lifelines that is getting you out of this current situation. If you worry filing … 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.
