It’s generally not my practice to tell someone whether or not I think they should file bankruptcy. That decision is one of the hardest and most personal they’ll ever make, and I’m not comfortable giving an opinion on that question. I’m sure divorce attorneys feel the same way when they’re asked by someone if they…Read more

I recently became a parent. Among the multitude of changes that I have had to face was giving up my favorite pastime: motorcycle riding. With a new baby, I just wasn’t able to ride any more and it didn’t make sense to make payments on a bike that was sitting in the garage, gathering dust.…Read more

Yes, your bankruptcy case can be dismissed. It doesn’t happen often, but it can happen. Maybe your attorney missed a deadline. Maybe you didn’t show up at the meeting of creditors or provide the trustee with a copy of your tax return. Maybe the United States Trustee filed a motion to dismiss your Chapter 7…Read more

You’ve probably heard the ads on the radio. Maybe you’ve seen them on television. You’ll even find them on craigslist. Attorneys who offer to file your bankruptcy with no money down. “Zero down! Call now! Only 17 people can get this deal! Only 11 appointments left!” It makes sense, right? Anyone who is thinking about…Read more

  If your car has been repossessed, bankruptcy may be a good solution. My clients don’t plan to file bankruptcy. They usually come to me after several years of trying to make ends meet. They’ve gone through a divorce, become unemployed, or had to deal with a medical emergency for which they were uninsured. Eventually,…Read more

“Am I going to be able to keep my property?” has to be in the top five questions that every person who comes in for a consultation asks me. The answer? It depends, but in most cases, yes. The Bankruptcy Code allows people who file bankruptcy to protect a certain amount of property. These rules,…Read more

One of the reasons you should consider hiring an attorney to guide you through the bankruptcy process is that it can be a minefield. Just like you wouldn’t attempt a Class IV rapids or scale Mt. Everest without professional help from an experienced guide, filing bankruptcy without an attorney has the potential to get a…Read more

One of the last questions I always seem to get at my first consultations with any prospective client is, “What do I tell my creditors?” Most of my clients don’t retain me at their first consultation. In fact, our policy is to not enter into a retainer agreement until after that first consultation so that…Read more

One of the things that you’ll learn during a initial consultation with a bankruptcy attorney is whether or not you’ll be able to file Chapter 7 or Chapter 13 bankruptcy. Given that Chapter 7 will eliminate all dischargeable debts within about 90 days from filing and doesn’t require the debtor to repay any discharged debts,…Read more