Bankruptcy

I had a client come in recently. He first came to see me four (4) years ago because he was being sued. He paid me $200.00. I wrote a letter to the creditor advising that he would be filing bankruptcy soon, and he has not been in my office since. He is actually somebody I […]

Every six months, the United States Trustees Office publishes census data of median income by state and family size. This data is important to Bankruptcy practitioners such as myself, because clients whose household incomes are above the median income for a family of their size in their state are subject to the “means test”. Those

I receive questions from various websites regarding bankruptcy and other issues. Most of the time, I do not respond, because the questions are usually uninteresting; other attorneys have responded, and I do not have time. I found this question interesting, because it addresses a fairly common problem that is very easy to avoid. It also

A Bankruptcy Lawyer in Washington State sent me this post. I thought he did a nice job with it, so I am sharing it. His basic point is a simple one. If you are not careful, debt collectors will quickly and completely destroy your credit. This article discusses the importance of protecting your credit and

I had a client come in the other day who filed Chapter 7 two years ago. He stopped paying his mortgage when he filed. The bank still sends monthly statements which now indicate that he is roughly $30,000.00 in arrears. His house is still worth much less than what he owes on it. For whatever

One issue that comes up fairly often is how do you refinance a mortgage after bankruptcy when you have not reaffirmed the mortgage? This is a particularly big issue for my clients, because the local bankruptcy Judges will not allow a reaffirmation as it is of no benefit to the Debtor, only to the bank.