The automatic stay is a powerful benefit of filing a bankruptcy case. As soon as the stay is effective, your creditors are prohibited from taking further collection actions against you. As a result, a bankruptcy filing can be helpful when you are facing financial emergencies, including: Foreclosure. The foreclosure process is a collection activity halted...Read More

If you are tired of being harassed by relentless debt collectors and you are wondering how filing for bankruptcy can help, the answer is a protection afforded to debtors called the “automatic stay.” As soon as you file your personal Chapter 7 or Chapter 13 petition, the stay immediately goes into effect and prohibits further...Read More

If you are one of the thousands of consumers that is facing overwhelming credit card debt, it may be time to consider filing a personal bankruptcy case. Filing a Chapter 7 or Chapter 13 can allow you to eliminate or discharge your credit card debt and obtain a fresh financial start. Other options besides bankruptcy...Read More

Identity theft is a very real problem in our country and it is crucial that you take every precaution to protect your private information. This is true even when you are filing for debt relief. We are committed to protecting your privacy in bankruptcy. Seeking financial protection in bankruptcy When you seek financial protection in...Read More

If you have previously filed for bankruptcy protection and you are considering filing another case, it is important to understand that there are certain guideline for when and how you can do it. You should also be aware that if you have filed two or more bankruptcy cases that were dismissed within one year, the...Read More

When you file a Chapter 13 bankruptcy case, you are committing to a payment plan that will last at least three years. If you should experience an unforeseen financial change which negatively impacts your ability to make your plan payments, you should contact us to discuss whether you are eligible to convert to a Chapter...Read More

If you are considering filing a personal bankruptcy, you may be wondering how driving under the influence (DUI) charge will be handled in your case. The primary goal of filing a Chapter 7 or Chapter 13 is to eliminate debt. However, you should understand that not all types of debt are dischargeable. Bankruptcy law excludes...Read More

Hopefully you have read our prior blog discussing the various benefits of filing a Chapter 7 bankruptcy case. This blog will focus on the advantages of a Chapter 13 bankruptcy. In most instances, filing a Chapter 13 provides you more flexibility in restructuring your debt and the following benefits: Automatic stay. As soon as you...Read More

If you are struggling to pay your bills and your household income is higher than the applicable median income, filing a Chapter 13 case may the answer to your problems. Chapter 13 Bankruptcy In a Chapter 13 bankruptcy, you will submit a repayment plan that sets forth how you intend to repay your creditors, either...Read More

Most consumers owe more on their car loan than their vehicle is worth. If you are also overwhelmed by other debt and you have a regular source of income, it may be time to consider filing a Chapter 13 bankruptcy. Chapter 13 Bankruptcy and the “Cram down” Process When an individual files a Chapter 13,...Read More