How Should I Prepare for Bankruptcy? If you’re considering filing a chapter 7 or even a chapter 13 bankruptcy, there are certain things that you can prepare in advance to meeting in our office. The documents that we’re going to need to have and we’re going to be asking for will be your tax returns…
What Should I Know about Chapter 13 Bankruptcy? Many people do not completely understand what a chapter 13 bankruptcy is or the benefits, or the repercussions of filing a chapter 13 bankruptcy. The chapter 13 bankruptcy is designed for those people, particularly those people who fall behind on their mortgage or their car payments; they…
What are the Benefits of Filing for Bankruptcy? I’m often asked what the benefits are for filing a chapter 7 bankruptcy. A chapter 7 bankruptcy is a full bankruptcy where you are able to discharge that in your retiring. Typically, a chapter 7 bankruptcy is going to eliminate unsecured creditors and at the same time…
Which Assets Can Be Protected during Bankruptcy? If you’re suffering financially, and you think that you may have to file a bankruptcy in the near future, it’s very important that you sit down with an attorney so that the attorney can explain to you what assets can be protected. Exemptions are afforded to a debtor,…
Can I File Bankruptcy with Previous Judgments Against Me? It is not too late to file a bankruptcy if you already have judgments against you. If you file a Chapter 7 bankruptcy and we take the homestead exemption, we can bring what we call a 522 Motion to vacate those judgments so that those judgments…
What To Do if I’ve Been Served with a Foreclosure Notice? If you’re served with a foreclosure notice, the first thing that you should do is contact your attorney. Your attorney will have you bring in the paperwork, determine whether or not the notice is accurate. A debt validation letter can be sent out to…
How to Deal with Foreclosure There are different types of foreclosures that a party may be confronted with. It could be a bank foreclosure where the bank is foreclosing on an existing mortgage that’s on the property. It can be an end run proceeding where the county is foreclosing on back taxes. In either case…
What Should I Do If Creditors Freeze My Benefits? I am often contacted by individuals who have received a notice from their bank or their lending institution that their account has been frozen and what’s in those accounts might be spousal support or child support or Social Security benefits or disability benefits. Those type of…
How to Deal with Fake Collection Calls Recently I received phone calls from several of my clients. They have contacted me indicating that they’re receiving phone calls from collection companies and from creditors who indicate that they’re going to contact the police and have them arrested if they don’t make payment to them within 24…
How to Deal with Harassment from Collection Companies I often have clients contact me who had been receiving notices from creditors or are being called at odd times of the day, or have their neighbors being contacted, or family members being contacted under the auspices that they’re trying to find them even though the creditor,…