• November 30, 2016

    Can You Remove a Lien from a Home...

    A lien on a home title can become a problem if the creditor attempts to collect or you desire to sell your home.  Beyond paying the entirety of the home lien, there are a few ways that liens can be removed that do not involve full payment.   Bankruptcy can also sometimes assist in the lien-removing […]

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  • November 16, 2016

    What Happens to the Cosigner in Bankruptcy?

    Many times our clients as us, “What happens to a cosigner in bankruptcy?”  If more than one person “signs” on a debt, then the other person who “signs” with you is called a “co-signer” on the loan.  A cosigner is legally required to pay the entirety of the debt just the same as the primary […]

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  • November 9, 2016

    Bankruptcy and IRA Exemptions- Is There a Maximum...

    If you have an IRA, 401k, or any other tax-exempt, tax-deferred retirement account, your retirement accounts are almost always 100% protected in bankruptcy.   This is due to bankruptcy “exemptions” which block your creditors from taking certain types of property during a bankruptcy filing.   There is a “cap,” however, to how much you can keep in […]

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  • November 2, 2016

    What Are Priority Debts and Are they Dischargeable...

    Priority debts are certain debts that take a “higher” priority than other debts during a bankruptcy.  These “priority” debts will be repaid first if any funds become available during bankruptcy.   In addition, most priority debts cannot be discharged through bankruptcy. What types of debts are considered Priority Debts? The most common sorts of priority debts […]

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  • October 12, 2016

    Can I Talk to My Attorney During the...

    I have frequently been asked, “Will you be coming with me to the Bankruptcy Meeting?”  I have also been asked whether clients can talk to their attorney during the bankruptcy meeting.   The answer to both of these questions is “yes.”  Your bankruptcy attorney will be with you during the bankruptcy meeting (meeting of creditors).  You […]

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  • October 6, 2016

    Do Both Spouses Have to Attend Bankruptcy Meeting?

    Due to either job requirements or sometimes health restrictions, we are frequently asked whether both spouses are required to attend the bankruptcy meeting. The answer we give is an unqualified, “yes,” both spouses must attend the bankruptcy meeting. The reason why both spouses must attend can be found in Section 341 of the bankruptcy code. […]

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  • September 28, 2016

    I’ve Been Sued – What Should I Do...

    If you have been sued in a collections lawsuit, you need to act quickly.  Collections suits are filed in order to collect a debt such as for a credit card, a personal loan, or a medical debt.   If you have been sued for collection, you need to make a course of action to resolve the […]

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  • August 31, 2016

    The Best Bankruptcy Advice Ever?

    What is the Best Bankruptcy Advice Ever?  The best bankruptcy advice is extremely simple: only take bankruptcy advice from a Bankruptcy Attorney.  The worst bankruptcy advice ever usually comes from friends, family, co-workers and misinterpreted internet searches.   The best bankruptcy advice comes from bankruptcy attorneys.   Let’s give a few examples where the best […]

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  • August 3, 2016

    What Can I Do If My Bank Account...

    What can you do if your bank account is frozen?   A frozen bank account can be a very stressful situation.  If the lawsuit creditor has frozen a large amount, it can be devastating to your budget.   You may not be able to pay any of your bills.  Bank account freeze can be a […]

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  • November 30, 2015

    What is an Adversary Complaint in Bankruptcy?

    Many times our clients ask us, “What is an adversary complaint in bankruptcy?”  An Adversary Case (in a bankruptcy proceeding) is a separate lawsuit that is filed with in the bankruptcy system as a bankruptcy is taking place.   These adversary “lawsuits” will receive a separate case number: they are completely separate to the original […]

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