Athena Legal, LLC Bankruptcy Blog

1. Bankruptcy ends harassing creditor phone calls 2. Bankruptcy stops repossessions 3. Bankruptcy stops foreclosures 4. Bankruptcy stops wage garnishments 5. Bankruptcy stops utility shut-offs 6. Bankruptcy provides debt relief 7. Chapter 13 Bankruptcy allows you to...

There is no minimum you must owe to qualify for Chapter 7 bankruptcy. The two main questions you need to ask yourself are: 1. Can I pay off my debts in a reasonable amount of time? 2. Does the cost of filing make sense for the amount of debt that I have? If you can...

At least once a month, I receive a call from a client who took out a payday loan online and his or her identity was compromised. What happens next is that the collection calls start from collectors who violate every rule in the book. The problem is that these...

I sometimes think I’m a doctor. I know I’m not one but I (often) can’t resist sharing a natural remedy with anyone who will listen willingly (and unwillingly). But the truth is that I never went to medical school. I also did not go through rotations and residency. I...

Good news. You CAN file without your spouse. Although your spouse does not need to file with you, you will need some of his or her information in order to complete your bankruptcy petition. The Bankruptcy Abuse and Consumer Protection Act of 2005 requires that you...

Each person who is interested in filing bankruptcy with me must first come to a free consultation. The purpose of the meeting is: 1. to get to know each other 2. to review the case 3. to explain available options 4. to explain the process 5. to provide the required...

Sesame Street has unveiled a program called “for me, for later” that teaches children about spending, saving and sharing. It was the subject of a New York Times article& called “Too Young for Finance? Think Again.” The article discusses that, until recently,...

Shortly after a bankruptcy is filed, the debtor will receive something from the Court called the “Bankruptcy Information Sheet along with the Notice of Bankruptcy Filing. The notice provides the name of the debtor, the case number, the judge, the trustee and important...

If I had a dollar for each time I heard that question, I could probably pay off your credit cards. I know that money is tight, sometimes so much so that food and rent are an issue. That’s the reason the person picked up the phone to call me. So what is the answer? The...

I woke up unreasonable early one morning earlier this summer and turned on the television. A random morning show was playing on the station I had fallen asleep to the previous morning (these are wild times of bankruptcy attorney…) Anyhow, as I was about to change the...