One of the most common questions I get from people who are divorced when they file bankruptcy is whether or not they have to tell their ex-spouse. They are reluctant to notify their spouse of their having to file bankruptcy, usually out of embarrassment. As is the case to so many legal questions, the answer…Read more

(Photo from Flickr user thisisbossi used under Creative Commons license) If you have been researching your repayment options for student loans, you probably know that only federal loans offer modification options, such as income based repayment. Historically, most private lenders have not offered any sort of modification and have a reputation for not working with…Read more

I love the Internet. It is a seemingly bottomless source of information and Google is the first place I stop if I am researching something. That said, I am also one of the most skeptical people my wife has ever met. So I always bounce anything I find on the Internet off of several sources…Read more

If you’ve filed bankruptcy, or have been doing some research as you consider filing, you have probably ready about the meeting of creditors (also called the 341 meeting, after the Bankruptcy Code section that requires it). At that meeting creditors can appear and ask questions about your petition and financial state of affairs. However, if…Read more