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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...
If you read an operating agreement for a closely held business, it is common to find "termination on bankruptcy" language. Essentially, these contract clauses provide that a person's interest in the business is dissolved upon filing bankruptcy. These contract...
When a person loses their home in foreclosure, they are often surprised to find that they still owe money to the mortgage company even after the bank has taken the house. This is called the foreclosure deficiency. After foreclosure, most people will still owe a...
If you are trying to improve your credit score, you will find tons of resources available to help. There are books, classes, seminars, online articles, credit counseling, etc. There are local companies, charitable companies, national companies, non-profit companies,...
