Why Chapter 13 is So Nifty

Chapter 7 is short and sweet and to the point. It often gets what you need—a discharge (a legal write-off) of all or almost all of your debts. But in SO many situations, Chapter 13 gives you so much more.  A couple blogs ago I showed a simple Chapter 13 case works. In my example, […]

Some Student Loan Borrowers Get Some Relief

About 1.6 million student loans borrowers are now able to make smaller monthly payments, and make less of these payments before the remaining balances are forgiven. Last October, President Obama announced these improvements to the Income-Based Repayment Plan. The changes are simple. 1. Monthly payments:  Under the Income-Based Repayment Plan, payments are capped “at an […]

What Makes Your Bankruptcy Simple, and Not So Simple?

If your financial life is legally simple, your bankruptcy will likely be simple. What is it about your financial life that makes for a not so simple bankruptcy case? Bankruptcy can be very flexible. If your finances are complicated, bankruptcy likely has a decent way to deal with all the messes. My new clients are […]

Debts You Really Care About, and WANT to Pay

In bankruptcy, are you allowed to favor: 1) creditors with collateral, so that you can keep the collateral; 2) creditors toward whom you have special loyalty; and 3) creditors who have extraordinary leverage against you?

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