Blog

Negotiating With A Creditor

Are you negotiating with a creditor to try to lower your debt?  Some people do this because they can’t or don’t want to file bankruptcy.  However, negotiating yourself without an attorney can cost you a lot more money than an attorney would cost. A current client who I’ll call Barb (not her real name) wanted […]

Filing Bankruptcy Won’t Ruin Your Credit

For most people, filing bankruptcy won’t ruin your credit, contrary to popular opinion.  In fact, filing bankruptcy can actually fix your credit in addition to its main benefits of getting rid of your debts and protecting you from creditors. First, if you are behind on your bills, your credit is not your biggest problem.  Not […]

Adequate Insurance

Do you have adequate insurance to cover an uninsured or under-insured driver who wrongfully injures you in an accident?  (This is called UIM coverage.)  This is how it works: If you get into an auto accident and the other driver is at fault, you are entitled to be compensated for all of your damages.  By […]

Bankruptcy To Prevent Foreclosure

You can file bankruptcy to prevent foreclosure.  Don’t wait to get help to save your house.  Waiting until the last second could prevent you from getting the help you need. I got a call on a Friday afternoon from a person facing foreclosure the following Tuesday.  While it was still possible to file a chapter […]

Pending Personal Injury Matter & Medical Bills

If you have a pending personal injury matter, your medical bills can start piling up.  Medical insurance plans have policy limits, and your policy may leave certain expenses unpaid or only partially paid.  While your medical expenses are part of what you are entitled to recover in a successful personal injury claim, you won’t get […]

Illegal Debt Collection

Don’t put up with illegal debt collection!  Debt collection agencies can be mean, vicious and unprofessional when trying to get a payment from you. Those agencies may not be willing to compromise with a debtor, and often simply do whatever they can to get money out of you, such as intimidation and harassment. You do […]

Wrongful Death

WRONGFUL DEATH A death suffered by a loved one can be devastating.  If the death was caused by a negligent or reckless action of another person, that devastation is even worse.  The legal term for this is “wrongful death.”  If you are the surviving spouse, parent, or child of the deceased loved one, you may […]

Fixing Debt Problems & Your Credit

Fixing debt problems with bankruptcy will not ruin your credit, contrary to popular opinion.  In fact, filing bankruptcy can actually fix your credit in addition to its main benefits of getting rid of your debts and protecting you from creditors. First, if you are behind on your bills, your credit is not your biggest problem.  […]

Bicycle Accidents

Bicycle accidents are not uncommon.  If you ride a bike, you are in far more danger of being seriously injured or killed by a car than if you’re driving.  On a bicycle, you don’t have thousands of pounds of metal and hard plastic protection that you have when you’re driving a car.  On a bicycle, […]

Lower Your Total Debt Payments

You can lower your total debt payments, like credit card and medical debts, by consolidating your debts with a chapter 13 bankruptcy.  There are many debt consolidation companies, and a lot of them will rip you off.  However, you can use chapter 13 bankruptcy as a debt consolidation without the fear of being ripped off by a […]