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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 dishonest company. […]

Do you hesitate to file bankruptcy even if you are facing foreclosure because you are concerned about your credit, even if you are in foreclosure?  Are you more concerned about your credit or the stigma of filing bankruptcy than about saving your home?  Don’t laugh; I actually had a case like that. Marge (not her […]

Do you need bankruptcy help during the coronavirus?  While we are still not seeing clients in our office because of the coronavirus, our office is conducting free telephone and video consultations for people who need help with debts they can’t afford to pay.  We have also implemented a completely electronic/digital program, so that you can […]

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 […]

Have you gotten over your head in debt because of the coronavirus? If so, bankruptcy might be the solution for you. You can eliminate your debts with a chapter 7 bankruptcy, almost always without paying anything for those debts. Many people have lost all or a great deal of their income because of the coronavirus. […]

A loan modification in a chapter 13 bankruptcy can be the answer to your mortgage payment problems.  Are you unable to pay your mortgage because you can’t afford the payments, or because you’ve gotten behind on them and cannot afford to make them up while paying your mortgage?  If so, a loan modification may be […]

If you are making student loan payments for federal student loans, be sure to stay current on them.  If you are unable to make the payments because of the coronavirus or for any other reason, apply for an income-driven repayment plan before you get behind on the loan payments.  You are entitled to these plans […]

Do you hesitate to file bankruptcy even if you are facing foreclosure because you are concerned about your credit?  Are you more concerned about your credit or the stigma of filing bankruptcy than about saving your home?  Don’t laugh; I actually had a case like that. Marge (not her real name) filed chapter 13 bankruptcy […]

Filing bankruptcy will probably 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.  Not paying […]

If you can’t pay your debts because of the coronavirus pandemic, bankruptcy might be the solution for you. You can eliminate your credit card and other general unsecured debts with a chapter 7 bankruptcy, almost always without paying anything for those debts. Many people have lost income and even their jobs because of the pandemic.  […]