When should you consider bankruptcy?

Foreclosure Attorney in Hialeah

Bankruptcy Defense Attorney Miami Are you paying your bills with your credit cards? How many credit cards have you applied for in the past 6 months? Is your income smaller than what you’re spending? You’re probably aware that you’re on the verge of bankruptcy or not, and if you’re not then the right thing to […]

Americans Still Think the Same about Why the Rich Are Rich

The headline story: many more Americans now believe that strong conflict exists between the rich and the poor. The surprising backstory: our attitude has NOT changed about how the rich got to be that way. This follows up on my recent blog about the report by the Pew Research Center titled “Rising Share of Americans […]

Stepping Over the “Means Test” Hurdle Without Breaking Your Stride

Are you among the large majority of people whose income easily qualifies them for Chapter 7 “straight bankruptcy”? You can find out right here and now. As you’ve likely heard, a few years ago Congress passed a major set of changes to the bankruptcy laws intended to make it harder for some people to file […]

The Morality of the American Airlines Chapter 11 Reorganization

A corporation which files bankruptcy is considered to be proactively using a strategic business tool. But a human being who files bankruptcy is considered to be irresponsibly breaking promises to creditors.   Let’s see if this difference in attitude makes sense using the example of the bankruptcy filing of American Airlines in late November. Selecting […]

Keeping Everything You Own Through Chapter 13 Bankruptcy

One good reason that people filing Chapter 7 don’t lose any of their stuff to the bankruptcy trustee—if they did have something to lose, they would likely have filed a Chapter 13 instead. How does Chapter 13 protect what you’d otherwise lose in a Chapter 7 “straight bankruptcy”? As I said at the beginning of […]

Avoid Being Nice to “Special” Creditors Before Filing Bankruptcy

One of the best ways to hurt one of your creditors is by being nice to him, her, or it. Specifically, if, before you file a bankruptcy, you pay a creditor much more than you are paying at that time to your other creditors, then that favored creditor may be required to give back that […]

The Amazingly Powerful “Automatic Stay”

Don’t take for granted the extraordinariness of bankruptcy’s automatic stay. That’s the federal law that stops creditors from pursuing you, your money, and your other possessions the moment your bankruptcy case is filed. In my last two blogs, I told you about the relatively rare situations in which the automatic stay does not apply—situations in […]

Creditor Collections NOT Stopped by a Bankruptcy Filing

You can’t count that filing a bankruptcy will instantaneously stop every act against you by every one of your creditors. Or can you? Isn’t one of the most important benefits of filing bankruptcy the fact that it puts a screeching halt to all collection efforts of your creditors against you and your property? Yes, and […]

What NOT to do after filing a bankruptcy case

Celebrity bankruptcies can teach you about your own bankruptcy about as much as celebrities’ lives can teach you about your life. Not much. But the bankruptcy of three-time baseball All-Star Lenny Dykstra CAN teach us something in the same way that fairy tales can teach kids about the lessons of life. The life lesson from […]

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