I am often asked by people who are considering filing bankruptcy what the downsides to filing are. After helping hundreds of clients recover from financial difficulties, frankly, I haven’t seen very few. The people I have helped have been able to recover from overwhelming debt, stop garnishments and harassing debt collectors, and been able to…Read more
Can I Sell My Home If I Am In A Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is also known as personal reorganization and involves repaying a portion of your debts over the course of a three to five year plan. Most people who file Chapter 13 do so because their income is too high to file Chapter 7, which requires you to be below the median income for…Read more
How Much Is My Chapter 13 Bankruptcy Payment Going To Be?
Chapter 13 bankruptcy requires filers to repay a portion of the debt they owe. There are a few reasons why someone would file Chapter 13 instead of Chapter 7. The first is that their income is too high to file Chapter 7. In order to file Chapter 7, your income must be below the median…Read more
What Is The Difference Between A “No Asset” And An “Asset” Chapter 7 Bankruptcy?
In broad terms, there are two types of Chapter 7 bankruptcy case: “asset” and “no asset”. Most Chapter 7 filers have no asset cases. What that means is their assets, i.e. personal belongings and real estate, are exempt (protected) under the bankruptcy rules. Practically speaking, in a no asset case there isn’t anything for the…Read more
Can I File Bankruptcy If My Business Fails?
I often get calls from people who want to know if I can help them file bankruptcy for their business. After trying their best, for one reason or another their business plan just didn’t work out. Maybe they didn’t have enough capital. Maybe their household couldn’t survive on one income while the business got up…Read more
Will The Bankruptcy Court Deny My Chapter 7 Discharge?
I often get asked when I meet with someone who is thinking about filing bankruptcy, whether or not there is any chance that their bankruptcy would be denied. They are unfamiliar with the bankruptcy process and worried that something might interfere with their ability to get the fresh financial start that they desperately need. Before…Read more
How Do I Get Rid Of A Judgment Lien After My Bankruptcy Has Been Closed?
At least a few times a month, I’ll get calls from people that go something like this: They filed bankruptcy several years ago. They’re now trying to sell or refinance their home. The title company has discovered a judgment lien that has to be eliminated before the refinancing or sale. Once the homeowner discovers the…Read more
When Is Reaffirming A Car Loan In Bankruptcy A Bad Idea?
One of the greatest concerns that my clients have about the bankruptcy process is whether or not they’ll be able to keep their car. For most people, the answer is yes. In fact, in the hundreds of cases that I have handled, I have yet to have a client who had to involuntarily surrender their…Read more
Can I Get A Car Loan After Bankruptcy?
When potential clients come into my office for a free consultation, they are usually concerned about two things: whether bankruptcy will get rid of their debts and how long will it take to re-establish their credit. Bankruptcy will get rid of most debts, except: child support and alimony obligations, certain back taxes, student loans, loans obtained by…Read more
How Do I Dispute An Error On My Credit Report?
Not everyone who comes to me for help wants to file bankruptcy. Their problem isn’t that they’re dealing with overwhelming debt, but they are having trouble buying a car or a home because of errors on their credit report. Oftentimes, there are still debts showing as owing even after they have filed bankruptcy, or someone has…Read more
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