A lot of clients come to our firm and ask whether or not they can reaffirm their mortgage. Super technically, you can only reaffirm as to personality, which is a fancy way of saying assets other than land. A mortgage is a lien on land, so it can’t be reaffirmed, right? Well, maybe. When you get a mortgage, … Continued

To prepare for filing bankruptcy, there are a lot of documents that you have to get together. In my office, I have a two-page list that I hand to people. Generally, the documents consist of your most recently filed tax return, your last six months’ proof of income, which can consist of pay stubs or … Continued

A lot of people ask, “Can I ever have a credit card again?” Bankruptcy stays on your credit report for 10 years, but credit is like skin. Have you ever had a really deep cut? Your skin recovers. Sometimes it leaves a mark, sometimes you have a little bit of a scar, but the skin … Continued