One of the benefits of filing bankruptcy is the protection it offers from the actions of your creditors. The second we file your petition with the bankruptcy court, creditors can’t take any collection action. They can’t call you, sue you, or garnish you. What this means is that, if you haven’t already, you can stop…Read more
How Does Chapter 13 Bankruptcy Work?
In this video, Denver, Colorado bankruptcy attorney Peter Mullison discusses the Chapter 13 bankruptcy process in Colorado. You can learn more about the bankruptcy process here: How Can Bankruptcy Help Me? What Does It Cost To File Bankruptcy? What Is The Difference Between Chapter 7 And Chapter 13 Bankruptcy?
Can Bankruptcy Help Me After I Have Been Scammed?
Talk to any bankruptcy attorney who has been practicing long enough, and she’ll tell you that there are three main reasons someone turns to bankruptcy to straighten out their financial affairs: unemployment, divorce, and overwhelming medical debt. Of course, there are exceptions. I had a consultation recently that reminded me that people turn to bankruptcy…Read more
Should I Close My Bank Account Before I File Bankruptcy?
Why You Should Close Your Bank Account Before You File Bankruptcy Should I close my bank account before I file bankruptcy? That is one of the top ten questions I get asked during an initial consultation. I always ask my clients as they prepare to file bankruptcy is if they owe any money to the…Read more
Zombie Debt – Dirty Tricks By Debt Collectors
What Is Zombie Debt By Tara Gaschler Salinas This week I received a panicked email from one of our clients. Her bankruptcy was discharged over 18 months ago. Since then, she has been working hard to rebuild her credit and manage her budget successfully. Her recovery from bankruptcy was well on track, so I was…Read more
The Bankruptcy Advice You Don’t Want To Hear May Be The Bankruptcy Advice You Need
Not all of my consultations go well. In fact, I had one this week that ended with a potential client quickly scooping up the documents she had brought in off my desk and rushing for the door. She couldn’t seem to get out of there fast enough. She didn’t like what I had to say.…Read more
What Happens If Someone Objects To My Chapter 13 Bankruptcy Plan?
When you file Chapter 13 bankruptcy, you have to propose a plan that shows the court, trustee, and your creditors who will get paid during the course of your plan. The court will mail out the plan, along with the notice of your bankruptcy, to all of the creditors that you list on your petition.…Read more
How To Avoid Bankruptcy: Get Rid Of Your Toys
I recently met with a couple who came in because they were finding it harder and harder to make ends meet, even though, together, they make almost $100,000 a year. They have three children. They began their story by explaining that a recent hail storm had caused them to rack up a significant amount of…Read more
Do I Have To Tell My Ex-Spouse That I Filed Bankruptcy?
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
Some Private Student Lenders To Offer Loan Modifications
(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
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