If your attorney has filed a Chapter 13 bankruptcy for you, you have an absolute right to convert the case to a Chapter 7 bankruptcy. The biggest reason that someone might convert to a Chapter 7 is because he can no longer make Chapter 13 plan payments.  This could happen if the debtor becomes unemployed…Read more

If you’re like many of my clients, the decision to file bankruptcy has been one that you have been trying to put off.  Although you’ve been struggling with your bills, you’ve been making ends meet and keeping debt collectors away.  Again, if you’re like many of my clients, one of the ways you’ve been able…Read more

Under Chapter 13 of the bankruptcy code, a debtor will make payments into a plan that pays some or all of her debts, and which is based on her income at the time the plan is confirmed by the bankruptcy court. The question that often arises from my clients is, “what happens if I can…Read more

Under the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005, bankruptcy attorneys must inform their clients of the different bankruptcy “chapters” , i.e. Chapter 7, Chapter 13, etc.  Of course, I do that in my initial consultation.  Before the end of the consultation, I usually have a good idea of whether or not…Read more

  One thing that sometimes keeps people from moving forward with filing bankruptcy – and getting their financial life back on track – is that they don’t have a list of all of their creditors or their addresses. They’re concerned that the original creditor sold the debt to a debt collector and that they’ll never…Read more