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Grace Periods Bankrupt You!
Photo Credit: Flickr/Tax Credits Do you know when your mortgage or car payments are due? If your answer is “the last day of the grace period on my loan” then you are on your way to bankruptcy. I often...
View ArticleStudent Loan Offset – The Hardship Reduction
You’ve been slapped with a notice of a student loan offset. It can be reduced. The offset means that your tax refund or Social Security benefits will be used to pay a federal student loan. Your...
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Can I Rent If I File Bankruptcy?
If you need to rent a house or an apartment after you file bankruptcy whether you are surrendering your home or you just need to relocate, the bankruptcy on your credit is hardly ever a barrier to...
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6 Stress-Reduction Tips For Cash-Strapped Times
We live in a hyper-stressed world, with work and family pulling us in all directions at once. Sometimes I wonder how we’re living longer as a society – after all, the stress can’t be good for us. Lots...
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Should I pay my homeowner association dues if I surrender my home in bankruptcy?
Even if you surrender your home in bankruptcy, you are still liable for your homeowner’s or condominium owner’s association dues that become due after the date of filing. As a general rule, all the...
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Will Bankruptcy Filings Increase In 2013?
Bankruptcy filings have been down in the last year. In theory that’s a good thing but that is not necessarily all good news. And it certainly isn’t good news for those of us in the business of filing...
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Have You Already Gone Over the Fiscal Cliff?
The United States will go over the fiscal cliff tomorrow if Congress cannot come up with at least a short term solution. But what about us? Many of us have already gone over our fiscal cliff. Even if...
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Top 15 Lies About Bankruptcy
Bankruptcy is an area of the law that people avoid. They don’t want to think that they might need its protections one day, and as a result, lies about what it can and can’t do, and what happens in a...
View ArticleUnlisted Debts Are Not Discharged in First Circuit
Debts which are not listed in bankruptcy schedules are not discharged in the First Circuit, which covers Puerto Rico and New England (except Connecticut and Vermont). The only exception is if that...
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Credit Report Errors Cause Consumers Higher Interest Rates
After filing bankruptcy people are often interested in trying to rebuild their credit, and a Chapter 7 or Chapter 13 bankruptcy can be a good first step to repairing your credit. The information...
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Justice Delayed is Justice Denied: The Case Against Big Banks
I’ve seen lots of funny men; Some will rob you with a six-gun And some with a fountain pen. ~ Woody Guthrie (Pretty Boy Floyd) Last month, Elizabeth Warren asked a pointed question of...
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After Chapter 7 Bankruptcy Discharge: Can You Take A 401k Loan?
Las Vegas Gambling Town It pleases me to no end when I get a call from someone I represented in bankruptcy a few years back and I find out they are doing great and are back on their feet. I like...
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What Are The Real Benefits Of The Bankruptcy Discharge?
A bankruptcy discharge is one of the primary reasons that a person files for bankruptcy protection. We all should know this, but do we really know what the bankruptcy discharge allows us to do? This...
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4 Tasks To Prepare For Life After Bankruptcy
Filing for bankruptcy can feel like a game of ping-pong with your lawyer. You bring in bills; she calls with questions. You provide more documents; she parses the documents. When the ball is in your...
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The Curious Case Of Bankruptcy, The Mortgage Company And Reaffirmation.
Bankruptcy generally discharges or re-organizes a debtor’s obligations. This often includes any mortgage that the debtor owes. In a Chapter 7 bankruptcy, the debts can go away but the liens often...
View ArticleTop 3 tips to prevent identity theft
The Federal Trade Commission offers three easy ways to safeguard your identity, your security, your property and your credit standing from identity theft. But first, what is identify theft? It is the...
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Documents at the Root of Bankruptcy Filing–In More Ways Than One
Where are your important documents? Your bankruptcy lawyer will drive you crazy with document requests–even the simplest bankruptcy case is document intensive. Some documents are absolutely necessary,...
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Should I pay my homeowner association dues if I surrender my home in bankruptcy?
Even if you surrender your home in bankruptcy, you are still liable for your homeowner’s or condominium owner’s association dues that become due after the date of filing. As a general rule, all the...
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Have You Already Gone Over the Fiscal Cliff?
The United States will go over the fiscal cliff tomorrow if Congress cannot come up with at least a short term solution. But what about us? Many of us have already gone over our fiscal cliff. Even if...
View ArticleHow to Save Money Before (and Even During) a Bankruptcy
Saving money–especially when you don’t have a lot–is always difficult. Most of my bankruptcy clients think that there’s no way they can save any money. But there are a number of ways to do it that are...
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