One issue that we have been encountering from time to time of late is the problem of people filing bankruptcy without being aware of what their parents have done in terms of managing their own estate. In the good old days, estate planning was simply a matter of writing a will. Wills are not an […]
Bankruptcy And Mom’s Estate Plan Read More »
This time of year the most popular bankruptcy payment plan involves having the clients come into the office and deposit $200.00 now, and then paying the rest when they receive their tax refunds. By depositing $200, we can stop the creditor phone calls throughout the holiday season and well into the new year. In addition,
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I hear advertisements for all kinds of alternatives to bankruptcy which imply that they will not hurt your credit. I have always been put off by these claims because either you are paying your bills on time and in full, or you are not. If you are not, your credit gets hurt. I note how
Bankruptcy VS. The Alternatives Read More »
Question: Is bankruptcy a better option if the amount gets to high as opposed to making minimum payments for the rest of my life? I was in a serious accident 18 months ago with no insurance, my credit and debt is off the charts ($250k). My credit was good before that. I will never get
Question: I am working with my creditors to get payoffs. Discover is only giving me to June 29th if 9,900.00 not paid will make it a court action. Can’t put together funds that quick they say I will lose in court. It seems like a no win. Answer: It is because of situations like yours
Many people ask me which is better Bankruptcy, or some form of credit consolidation or debt settlement. In the vast majority of cases, Bankruptcy is the superior choice. There may be some people who are so wealthy, or whose incomes are so high, that Bankruptcy is not a good option. However, those people are also
When people ask us ‘what kind of flexible payment plans do you have?’. We have to answer that there is no actual plan, because that would limit our flexibility. We have essentially two rules concerning flexible payment plans. The first rule is that the initial retainer should be at least $200. More is always better,
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STOP: Harrassing Phone Calls One of the most valuable and frankly unique services that we offer ancillary to the actual bankruptcy filing itself is that we will make the harassing creditor phone calls stop. Simply put, once you have retained us, which is to say, once you have paid at least $200.00, you may give your
I recently received a telephone call from somebody who had overstayed his visa and learned that ICE (Immigration and Customs Enforcement) was looking for him. They went to his place of employment, but he was not at work at the time. He wanted to know what to do. He should go to an immigration lawyer
What To Do When ICE Is (Or May Be) Looking For You Read More »
Debt Relief with a Chapter 13 Bankruptcy Most people who file for bankruptcy will file under Chapter 7. However, there are some people for whom chapter 13 would be the preferred course, and there are other people for whom chapter 7 is simply unavailable. Most chapter 13 filers come in one of these categories: Debtors
