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Periodically our office likes to reach out to our clients to give others an idea how the process of filing bankruptcy works with our office. Allowing others to tell their story helps give potential clients a good idea of how a bankruptcy works and may help dispel common misconceptions. We have taken out all… Read more »
Managing your Checking Account in Bankruptcy When individuals are facing financial hardships, they often overdraw their account, bounce checks, or both. If this is a frequent occurrence, the bank or the individual m ay end up closing the bank account. As a result, a person may have trouble opening up a new bank account. The reason for this… Read more »
Can I Convert My Case? Whether you file a Chapter 7 or a Chapter 13, situations often change and converting your case to a different chapter is often the best option. This blog post will highlight when you should consider converting your case and how to go about the conversion. As always, it is best… Read more »
A Guide for Credit Cards Reestablishing your credit can be a daunting task, but it doesn’t have to be! Believe it or not, one of the most effective—and efficient—ways to rebuild your credit is to reenter the credit world. Although you may be thinking, “Credit cards are what got me into this mess in the… Read more »
Which Should Come First? Bankruptcy or Divorce? Most of our clients do not want to file for bankruptcy. However, a life changing event usually makes bankruptcy the best option to eliminate their debt and start rebuilding their credit. One of the most common life changing events is divorce. Prior to filing for divorce or bankruptcy, it’s important… Read more »
Judgments in a Nutshell We see it all too often: A family purchases a used vehicle from a dealership down the street. Although initially unhappy about the 24.99% interest rate, they are relieved to have a method of transportation to take them to work and back, drop the children off to school and get groceries…. Read more »
What is an ESOP? An Employee Stock Ownership Plan (ESOP) is a form of employee ownership. This type of plan gives employees of a company an ownership interest through shares allocated to them. The shares are held in an ESOP trust until the employee retires or leaves the company. An ESOP is a form of… Read more »
Discharging Student Loans in Bankruptcy The Department of Education has just released a letter indicating how it will handle a bankruptcy filing that attempts to be discharging student loans. Although there are no set rules and the practice has not been developed yet, the letter provides a road map for when an attorney should attempt… Read more »
Income Tax Debt in Bankruptcy The start of a new year also represents a new tax year and many families feel will feel the increased burden of yet another year of unpaid income tax debt. Many of our clients are unable to pay down their past due taxes or meet the minimum amount of the… Read more »
Yes. Bankruptcy without an attorney is possible. We don’t recommend it, however, so this article is for information purposes only. Come in and discuss your situation with one of our lawyers even if you plan on filing bankruptcy yourself. Why file bankruptcy without an attorney? First things first… yes, you’re able to file Chapter 7… Read more »
