If you have been researching bankruptcy and student loans, you’ve learned by now that student loans are generally not dischargeable. If student loans are all that is dragging you down financially, unfortunately, bankruptcy is probably not going to solve the problem. One alternative to explore is Income-based Repayment (“IBR”). IBR is is a repayment plan…Read more
Bankruptcy Alternative – Student Loan Income-Based Repayment
A Video Guide to Illegal Debt Collection Practices
http://www.youtube.com/watch?v=ICPjxxFqzXI
Eight Ways to Stay Debt Free
I came across an article the other day over at msn.com that I wanted to share with my readers. As I have often told my clients, filing bankruptcy is just the first step in getting their financial lives under control. Staying on track means learning new habits. Here are eight ideas for helping you stay…Read more
How Can I Find a Cheap Bankruptcy Attorney in Colorado?
It’s not surprising that if you’re thinking about filing bankruptcy, you are also struggling with finding a bankruptcy attorney you can afford. Lots of people are looking for the cheapest bankruptcy attorney they can find. It isn’t hard to find lawyers who offer to do your bankruptcy for $499. Just take a look on craigslist.org…Read more
Where Can I Find a Free Bankruptcy Clinic in Colorado?
Each month volunteer attorneys from the Denver Bar Association conduct a free clinic for people who are considering bankruptcy. They are held in downtown Denver at the U.S. Custom House Building, where the bankruptcy court is. These clinics are presented by trustees and consumer bankruptcy attorneys, and address issues such as credit implications, what to…Read more
Don’t Let Financial Infidelity Lead You to Bankruptcy
When I sit down with a potential client during a bankruptcy consultation, I ask them to tell me about their debts. I am always a little amazed when I talk to couples and watch as one or the other learn about debts they never knew of. Turns out things are worse than they thought. Apparently,…Read more
How to Re-Build Your Credit Score After Bankruptcy
New York Times’ columnist Tara Siegel Bernard has written an article on repairing your credit after it’s taken a hit, whether by a foreclosure, short sale, or bankruptcy. Bernard recommends focusing on your FICO score. Much of the advice is for people whose financial situation hasn’t slipped to the point of considering bankruptcy. Nevertheless, once…Read more