Personal Injury? Seek Medical Attention Immediately

If you have a personal injury, seek medical attention immediately.  Many people wait to seek medical attention when they’ve been injured.  Waiting to seek medical attention for an injury can cause both legal and medical problems for you.  As an attorney, I’ll stick to discussing the legal problems that waiting can cause. In order to […]

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 […]

No Out-Of-Pocket Cost for a Personal Injury Attorney

There is no out-of-pocket cost to you for hiring a personal injury attorney.  Many people who need an attorney because they’ve been injured due to the fault of another person or company ask what our services will cost them.  Like other personal injury attorneys, our fees are on a contingency basis, meaning that they are […]

Strip 2d & 3d Mortgages

You may be able to strip 2d & 3d mortgages with chapter 13 bankruptcy!  “Lien stripping” changes junior liens like 2d & 3d mortgages from secured debts to unsecured ones that can be discharged in bankruptcy without losing your home.  The junior mortgage must be completely “underwater” in order to do strip it, so this […]

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 […]

Prevent Foreclosure

In order 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 13 bankruptcy […]

Debt Collector Harassment

Don’t put up with illegal debt collector harassment!  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 […]

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 […]

Hounded By Debt Collectors

Are you being hounded by debt collectors?  There are ways, such as bankruptcy, to get out of debt without fearing or suffering the consequences that some debt collectors threaten.  Let’s look at some of the common threats, whether they’re real, and what a creditor can or cannot do to you. Creditors often tell people behind […]

Keep Your Benefit Money Separate

If you receive unemployment, Social Security, disability, or other government benefits, keep your benefit money separate!  This will allow you to protect those benefits in certain instances, such as filing bankruptcy or being sued by a creditor. A person I’ll call Ted (not his real name) with debt problems recently contacted me for help.  Ted […]