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As soon as you file for bankruptcy, you will breathe a sigh of relief. Why? Creditors will stop calling you. The mailbox will not be overflowing with collection notices. Wage garnishments will stop, giving you more money in your paycheck. Bank levies will be released allowing access to your accounts. But what about my Credit … Continued
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It is important that you ask the right questions prior to filing bankruptcy. Below are important questions you should ask when considering whether to file. SHOULD I FILE BANKRUPTCY? Only you can answer this common question. While an attorney can explain the pros and cons of filing a bankruptcy and tell you which way they … Continued
The Coronavirus pandemic and home quarantine has been a long haul. With businesses reopening, people are going back to work, and the economy improving, Americans are slowly getting back to normal life. This inspires confidence in many however there is a dark side to this progress in that ALL businesses and operations will soon be … Continued
Considering COVID19 and its detrimental effects on individuals’ finances and livelihoods, many states and jurisdictions have ordered temporary freezes on residential foreclosures and evictions. In addition, courts have been closed to the public postponing many (if not all) court hearings and legal matters overall. Orders generally state that foreclosure actions can not be initiated due … Continued
As we struggle through this pandemic, many of us have gotten a break. Foreclosures have been delayed, evictions have been delayed, lawsuits have been delayed, and credit card companies have offered to let you skip your payment. Unfortunately all that does is buy you a little time. Interest is still being added and someday whether … Continued
Even if you think you have a lot of debt, you may not be eligible to file a Chapter 7 and walk away from it. WHAT IS THE MEANS TEST? To file a Chapter 7 bankruptcy, your household income over the last six calendar months cannot exceed the median income for a household the size … Continued
Over 110 million Americans have credit card debt with past due balances. As if Covid19 has not been stressful enough, the weight of this extra debt with either a loss in income or an uncertainty about future income can be overwhelming. While bankruptcy can help with that by potentially wiping it out, here are some … Continued
During the bankruptcy process, the automatic stay has been shown to ease the process for individuals. With the automatic stay in place, individuals cannot be contacted from their creditors. Creditors are barred from contacting debtors, which can stop harassment from them. This can take a weight off the individual’s shoulders by allowing them to focus … Continued
Business bankruptcy refers to Chapter 11 bankruptcy. This bankruptcy process has been known to help business owners keep their businesses afloat. When their businesses are suffering financially, they can file for Chapter 11 bankruptcy to help. Through this process, it will allow the business to remain open and operating on a daily basis. This can … Continued