Blog

June 29, 2020

Knowledge can be a very powerful tool. But what good is knowledge by itself unless you take powerful action and use it for your advantage? Are you afraid that you're going to lose your home? I'm going to help you turn your fear of foreclosure into faith that you can fight foreclosure.

June 29, 2020

Are you afraid of getting sued because you can't pay your credit card bills? Very few people want to be sued, but the fact is that if you don't pay your monthly credit card bills on a regular basis, well you might be able to run, but you sure aren't going to be able to hide for too long. The odds are pretty good that sooner or later, you're going to get sued.

Jan. 31, 2018

When Donald Trump was president, I often told my clients that were concerned about whether filing for bankruptcy was a good thing for them, something like the following: In my opinion, Donald Trump must be highly in favor of bankruptcy, since he has filed at least 6 bankruptcies for his businesses.

Jan. 9, 2018

In a Chapter 13, you can normally cure mortgage arrears that you owe on your home. It is important that you fully understand your obligations when you are paying mortgage arrears through a Chapter 13 plan. In this section we will advise you exactly what you have to do when you owe arrears on your mortgage, so that you can be sure your Chapter 13 proceeds forward in a successful fashion.

Jan. 9, 2018

There is a limitation on the amount of equity an individual can have in his/her home and still be able to totally wipe out his/her unsecured bills. Presently the bankruptcy law permits one person to have equity in his/her home in the amount of $25,150. If two people jointly own their home, the law permits net equity of $50,300 in that home.

Jan. 9, 2018

Please make regular payments to the trustee on the first day of the month by money order, writing your case number on the money order. Your first payment is due on the first day of the month after we file your plan with the Court.

Jan. 9, 2018

When you are filing for bankruptcy you are normally required to list all of your outstanding bills and debts. There are many debts that can be wiped out in bankruptcy, including utilities such as gas, electric, and telephone. Many people are concerned that if they put their utility bills in bankruptcy the utility will shut off service. Do not worry about that because it is totally illegal for a utility to shut off service when a person files for bankruptcy.

Jan. 8, 2018

We have had a number of clients in the past who have had their debts wiped out. Then, two or three years later, they come to us because they were buying a house or refinancing a home. They tell us that all of a sudden a judgment appeared on their record that they did not know about, and the creditor is claiming this judgment should be paid.

Jan. 8, 2018

This is a short memo that I am doing for the benefit of my clients who are behind in their mortgage payments. I want people to be aware that they are not in jeopardy of immediately losing their home just because they fall two or three payments behind on their mortgage.

Jan. 8, 2018

Many clients who come to see us for the first time are scared, worried, and fearful. They don't know what their future holds. Will they lose their home? Will their car be repossessed? Will bill collectors freeze their bank account or take their paychecks? Will bill collectors take their pension or retirement money?