Bankruptcy isn’t something most people expect to deal with in their lives. However, about 770,000 people in the U.S. file for bankruptcy every year. The reasons range from unexpected problems from health issues to excessive spending, but the result is a huge pile of debt that’s almost impossible to surmount without the help of bankruptcy. … Read More
Do you know any debt that lasts more than one year is considered long-term debt? This includes any loan that involves making periodic payments for more than 12 months or any debt that can’t be paid off in full within one year. Most people have at least some type of long-term debt like a mortgage, … Read More
Are you behind on house payments? Facing foreclosure? Wondering what will happen to your family’s home? You’re facing a very difficult situation, and you may be curious about how bankruptcy might be able to help. While bankruptcy isn’t a cure-all, it can improve your overall financial picture significantly, especially if you are falling behind on … Read More
Almost half of all Millennials and Generation Xers are 90 days behind on at least one of their bills. Americans under age 50 are much more likely than their predecessors to struggle to pay for basic living expenses like rent, utilities and groceries. There’s a mix of reasons behind this phenomenon, including heavy student loan … Read More
If you’re buried in debt and overwhelmed with calls and messages from bill collectors, it’s time to look at your bankruptcy options. Chapter 7 and Chapter 13 bankruptcy are two common paths to finding a fresh financial future. Both of these options are designed to help people facing serious financial difficulties such as heavy … Read More
Chapter 13 bankruptcy is a way to reorganize your finances and ultimately start over with a clean slate. When creditors are calling and you never have enough money to catch up, Chapter 13 helps you stop the calls and make a new plan to move forward. It’s designed to help you meet your monthly … Read More
Has a creditor filed lawsuit against you? It’s a common misconception that a lawsuits or judgments are not discharged in bankruptcy. This isn’t the case. In fact, bankruptcy can be an effective way to deal with debt even when a judgment or pending action is looming against you. Look at filing for bankruptcy when … Read More
Before you file for Chapter 7 or 13 bankruptcy, you may begin to wonder what your life will be like after your bankruptcy plan takes effect. What’s your financial outlook? Will you have enough money to cover your basic living expenses? How will the bankruptcy affect your credit score? Will you ever be able … Read More
Each year, about 30 to 38 percent of all bankruptcy filings are for Chapter 13 bankruptcy. Chapter 13 provides welcome relief to people who are overwhelmed with debt and need help satisfying their creditors. If you’re in this situation, you’re probably wondering whether you’ll have to repay all your debts. It’s time to contact … Read More
Around tax time, bankruptcy attorneys often receive questions about tax refunds and filing for bankruptcy. You may be wondering whether it’s a good idea to wait for a refund to arrive before you file, or whether it’s better to do it as soon as possible. You probably also have questions about whether you’ll be … 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.
