Will I Ever Get My Car Back If It’s Repossessed? Has your vehicle been repossessed? Before you panic, take a deep breath – and know your rights. The United States is currently experiencing the highest rate of automobile loan defaults this century – and that includes the rate of defaults during the recent financial … Read More
When you’re deeply in debt, you may feel plagued by creditors. While they’re generally allowed to contact you about the debt you owe them, there are firm limits on how they can do it. You are protected by laws that restrict creditors from unfair debt collection practices, like using deceptive language and contacting you relentlessly … Read More
It is estimated that in the United States, about 770,000 people file for bankruptcy every year. Filing for bankruptcy involves completing official government forms and following a specific process. You’ll need to familiarize yourself with federal bankruptcy laws as well as your state’s specific rules, including important exemptions that could protect your property and belongings. … Read More
About 800,000 people file for bankruptcy each year. Only a fraction of them are filing for a second or third time. After completing one bankruptcy successfully, most people are able to get back on their feet and establish a stable financial foundation. However, changing circumstances in your life may prompt you to consider an additional … Read More
Members of the military are expected to maintain financial stability and a certain standard of living. For certain military security clearances, you must have a clear financial history. However, many people enter the military with existing financial issues, or encounter new issues during their time in the service. Good news – bankruptcy affords military personnel … Read More
A Chapter 13 bankruptcy forces creditors to accept what the law says you are required to pay on your debts. At the end of the Chapter 13 plan, you receive a discharge. Also known as a bankruptcy reorganization, a Chapter 13 bankruptcy establishes a plan for alleviating debt in a manner that leaves you in … Read More
When you file for bankruptcy, the process is guided by both state and federal laws. Federal law controls most aspects of the bankruptcy process. However, each state has its own laws about things like property exemption limits (what you can keep in bankruptcy) and income thresholds. Different jurisdictions also have local rules that interplay with … Read More
When considering your options for debt relief, ask yourself the following questions to help you decide which debt relief option is right for you. What Type of Debt Do I Owe? The type of debt you carry determines the extent of the actions that creditors can and will take to collect the monies owed. The … Read More
Are you ready to open a fresh financial chapter in your life? Chapter 7 bankruptcy can be a positive way to do it – only if it’s appropriate for your situation. A Chapter 7 bankruptcy, also known as a liquidation bankruptcy, examines your assets to see if there are any that are not exempt from … Read More
If you’re considering filing for Chapter 7 bankruptcy, your top concerns are probably your debts, your home and your financial outlook. What about the things that have important sentimental value to you, such as personal treasures like jewelry and heirlooms? You wouldn’t want to lose your grandmother’s wedding ring or a pocket watch that’s been … 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.
