Quick Rules about Preserving Your Home through Bankruptcy

When does filing bankruptcy save your home?  When is “straight bankruptcy”—Chapter 7—the right tool, and when do you need Chapter 13?  If your most important goal is to preserve your home, here’s how each kind of bankruptcy helps (or doesn’t help) in circumstances which may apply to you. 1. If you’re current on your home […]

Avoiding Judgments that Can Really Hurt You, and Hurt Your Bankruptcy

Many judgments against you don’t matter once you file a bankruptcy. But certain ones are very dangerous. How can you tell the difference? Letting a creditor get a judgment against you after it has sued you can sometimes result in that debt not being written off (“discharged”) in a later bankruptcy case. Or that debt […]

The Dangers of Allowing a Creditor to Get a Judgment Against You

What you don’t know CAN hurt you, if it’s a judgment against you by a creditor. Judgments can hurt in three big ways. 1) They enable the creditor to use powerful collection mechanisms against you to collect the debt. 2) A judgment can rush you into filing bankruptcy at a legally disadvantageous time. 3) And […]

10 Big Reasons to Get Legal Advice about Bankruptcy Before Selling Your Home

The SINGLE overarching reason to get advice from a bankruptcy attorney before selling your home is to save money, possibly a great deal of money.  I’ll tell you ten ways to do so—three today and then the rest in a couple blogs next Tuesday and Thursday. 1.  Avoiding judgment liens:  If some creditor has sued […]

Get a “Fresh Start” in Bankruptcy for Your Assets, Not Just Your Debts

Bankruptcy helps both sides of your balance sheet. Getting a financial fresh start means not just getting relieved of your debts, but also protecting your essential assets. You can preserve this crucial benefit of bankruptcy by not selling, using up, or borrowing against your protected assets BEFORE the filing of your bankruptcy case. It is […]

“If Only I’d Gone to See My Bankruptcy Attorney Sooner . . . ”

Those are the words I hate to hear from a new client. Bankruptcy attorneys are in the business because we truly want to help people. It’s an emotionally tough area of law, dealing all the time with clients who are financially hurting. Usually my client are also hurting in other ways, related to what caused […]

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