If you become eligible to inherit money or property in the six months following your bankruptcy filing, the proceeds are considered assets of your bankruptcy estate and can be used to help pay your creditors back. Despite sounding straightforward, the rules governing exemption for these life insurance policies and benefits are complicated. Unless protected, they … Read More
Loss of a job is a leading reason many people turn to bankruptcy. There is no stipulation that a person needs to be employed to seek financial relief. Depending on the type of bankruptcy you choose, unemployment may not be a concern. A bankruptcy professional can help you work out the best option for you. … Read More
Filing for bankruptcy can help alleviate the stress of overwhelming debt. It does not mean everything in your life is put on hold. Keeping your home and car insurance up-to-date is imperative, and, in many cases, required. Insurance protects you during bankruptcy and after your case is discharged. Whether you are going through Chapter 7 … Read More
Filing for Chapter 13 provides immediate relief from your creditors but is does require some commitment. A Chapter 13 helps change the way you think about and handle money. During Chapter 13, you must dedicate yourself to staying on a budget to repay your debts. Most individuals who go through this type of bankruptcy … Read More
There are close to two million victims of domestic violence each year. Abusers dish out physical damage on their spouses, as well as financial distress. The exploitative partner uses the victim’s financial situation to punish and control them. They make it impossible for the victim to leave or begin again. The legal community can … Read More
Often elderly and disabled citizens worry they will lose their Social Security benefits if they file for bankruptcy. For many people, this monthly check is a lifeline. Those facing mounting debts due to unexpected medical expenses or the loss of a job, let fear of losing benefits prevent them from considering bankruptcy as a solution … Read More
If you are applying to become a citizen of the United States, congratulations! Applying for citizenship does not hinge on having a spotless financial record. The main criterium is that you be of “good moral character.” A United States Citizenship and Immigration Services (USCIS) agent will determine for you what defines a “good moral character.” Your … Read More
If your debts are mounting and your creditors file lawsuits against your relating to debt, the resulting judgments can become liens against real estate (a house or land) that you own. A lien is a legal notice attached to a property, requiring the lien get paid before any transfer or refinancing of the property can … Read More
Being in debt can feel like you are living in a black hole. Everything gets sucked in or is affected by it. One of the things you do not want to have disrupted is your job. It is one of the lifelines that is getting you out of this current situation. If you worry filing … Read More
Are you considering filing for bankruptcy? Timing can be very important. It is prudent to take a look at your activities over the last few months before actually filing a case. Some situations can decrease the benefits available to you from Chapter 7 or Chapter 13 bankruptcy. An experienced bankruptcy attorney can help you decide … Read More
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No upfront attorney fees in qualifying cases. Pay only court filing fee, credit reporting fee, and pre-bankruptcy credit counseling session fee to get a case on file to stop garnishments, repossessions, and certain court actions. Restrictions may apply. Please call to discuss your situation and learn how we can help.
