During your initial consultation with a bankruptcy attorney, he or she should ask you about the property you own, whether it’s personal property or real estate. It’s important to understand at the outset whether or not any pre-filing planning needs to be done to be sure that you can keep as much of your property…Read more

If you are thinking about bankruptcy, you are probably dreading that decision and hoping that you can avoid it, or at least put it off as long as possible. When you come in for a consultation, one of the things we’ll talk about is when you should consider filing. Oftentimes, the biggest factor that comes…Read more

Yes, you can keep your cellphone when you file bankruptcy. Given how dependent we’ve become on the tiny devices, I know what a relief that is. For some, it is their only source of communication. However, you should know that you can also discharge (wipeout) any debt you owe for a cellphone. For example, if…Read more

Many people file bankruptcy to prevent or stop some sort of legal action. Usually a creditor is suing them or garnishing their paycheck. The moment we file their petition, that legal action has to stop. When we file, the bankruptcy court issues a protective order, which is also called the automatic stay. It’s “automatic” since…Read more

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