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With a wide lens, it's clear that issues between assets and liabilities cause bankruptcy. Someone takes out debt that they can't pay back, for instance. They have more debt than they have assets or earnings, so they have to use bankruptcy to get out of it. But this is...
When you file for bankruptcy, the court gives you an automatic stay. You don't have to worry about collection activity, at least for the immediate future. The courts will dismiss pending lawsuits, and you can tell collection agencies that call you that you have filed...
For some individuals, a fear of checking the mail, answering the phone, or looking at messages becomes crushing because they’re always concerned that a debt collector is trying to contact them. Recently, laws changed so creditors can even send you direct messages on...
What do you think of when you hear the word bankruptcy? How would it make you feel if someone said you should file for bankruptcy? For a long time, many have considered bankruptcy a dirty word, something shameful to admit to. Yet, at the same time, it is something...
Filing for bankruptcy temporarily halts collection activity. The automatic stay issued at the time you file will stop creditors from calling you and even convince the courts to dismiss a pending lawsuit about your debts. Successful bankruptcy also means the...
If you are unable to meet your household bills, you may be considering filing for bankruptcy -- and you would not be alone. Many people have found it necessary to file for bankruptcy over this last year. Generally speaking, there are two basic bankruptcy options you...
Judges used to decide whether debtors qualified for debt relief by filing for Chapter 7 bankruptcy. The court system implemented the means testing system in 2005. Now, all debtors wishing to file for Chapter 7 bankruptcy must first pass a means test to qualify for a...
It goes without saying that no one wants to go through bankruptcy. Bankruptcy feels, to some, like a loss. It’s important for you to understand that bankruptcy isn’t a sign of poor money management or failure. It’s just a sign that you need financial help. It’s...
As the holiday season is the time for gift giving and spending time with loved ones, the added pressure of purchasing gifts and spending money can be overwhelming. It is normal for people to overspend during the holiday season, creating additional stress as we move into the new year.
However, with a little planning and well-thought out shopping, you can avoid drowning in debt while still giving the perfect gifts to your loved ones.
The unfortunate reality is that many attorneys practicing bankruptcy law do not fully understand the laws regarding discharging tax debt. On several occasions in the past, clients have told me they had a consultation with another lawyer, and the lawyer said something...
