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Filing for bankruptcy is not an easy decision to make but in some situations, it becomes the only thing that you can do. It is very daunting but it is more common than people think. The benefits for filing bankruptcy depend on the person. The most common conversation I have is that you can do … Continued
A debt settlement company is a company that is going to offer for a fee to settle your debts for you. Credit cards, medical bills, things like that, but here’s the deal. They are going to ask for their fee up front. They may try to work with your creditors, they may not, but you … Continued
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