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The decision to file bankruptcy, whether it’s Chapter 7 bankruptcy or Chapter 13 bankruptcy, is an emotionally difficult one. People often struggle with it for “many months or even years I think it’s particularly hard because of optimism…we think if we can hang on...

No. Filing bankruptcy does not make you a bad person. There is this perception that people are running around intentionally charging up their credit cards, so they can just get rid of it in a bankruptcy. Like an evil villain in an old movie… rubbing their hands...

Yes, absolutely. If you don’t need a bankruptcy. I will tell you. There are potential clients who I turn away because they don’t need a bankruptcy. In fact, it happened last week. This person thought she had a lot more debt than she did. We figured out how much she...

The short answer is yes… This is a great question to ask an attorney when you are considering bankruptcy. Many of my clients rent and worry whether they will have somewhere to live after the bankruptcy is over. Some landlords prefer not to rent to someone who has...

Are bill collectors harassing you at home? Are you receiving collection letters? Are you receiving collection calls at work? Are you only making minimum payments on your credit cards? Are creditors suing you? Are you behind on your house payment? Are you behind on...

Happy new year! New Years Day is one of my favorite days of the year. To me it represents a clean slate…a fresh start. It’s an opportunity to assess your life and plan for the year ahead. Resolutions have a bad rap but I think they’re important. Really, aren’t they...

No. Filing bankruptcy does not make you a bad person. There is this perception that people are running around intentionally charging up their credit cards so they can ust get rid of it in a bankruptcy. Like an evil villain in an old movie…rubbing their hands...

When someone files for Chapter 7 or Chapter 13 bankruptcy, their property becomes part of the bankruptcy estate. Property includes real property which is a legal term for land and homes. It also includes all personal property such as furniture, clothing, vehicles and...

When you’re tight on money and considering filing for either Chapter 7 or Chapter 13 bankruptcy. every dollar matters. It’s important to know where your money is going so you can budget properly. But, in this age of convenience services, it’s easy to lose track of it....

You can’t have a conversation about bankruptcy without a discussion about your budget. Sometimes not having a budget is the reason you are even speaking to a bankruptcy attorney. The hardest part is figuring out how much you are really spending. Then, you need to...