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

The debt collection industry is well-known for its harassing tactics used to persuade consumers to pay their debts. As a result, an important set of laws called the Fair Debt Collection Practices Act (FDCPA) was passed to provide consumers with a variety of protections from creditors using deceptive or abusive practices in their collection efforts....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 are considering filing a Chapter 7 or Chapter 13 case, it is essential to understand that there are a few actions you should avoid in order to ensure that your case goes smoothly. Preparing for Bankruptcy Below are a few of the most common mistakes made by debtors that you will want to...Read More

If you are delinquent on your auto loan or your case has been seized and auctioned off, it is time to seek legal help. We can review your individual circumstances and help you understand all of the debt relief options available to you. The quicker you contact us, the sooner we can provide you with...Read More

Many individuals contact us because they are drowning in debt and don’t know which debt relief option is the best for them. We commonly get questions regarding having debt “written-off” by lenders and how it impacts them. Typically, a lender will write-off your debt (also referred to as charging-off your debt) if you have been...Read More

When an individual borrower falls behind on paying their bills, creditors start filing collection lawsuits in order to a obtain court judgment. Once the judgment has been granted in favor of the creditor, the collection efforts begin. A Creditor May Place a Judgment Lien Against Your House One common collection tool used by many creditors...Read More

According to Creditcards.com, there are numerous credit card lenders that are using their agreements as authority to seize things you buy with your credit card if you do not pay your bill in full. Typically, credit card debt is unsecured debt, which means that no assets were pledged as collateral to the lender. However, clauses...Read More

If you have fallen behind on your bills and debt collectors are starting to call, it is critical that you know your rights, including your ability to demand debt verification from the creditor. Debt verification is extremely important because it is possible that the collector has made an error or failed to acquire the necessary...Read More

If you are planning to file a Chapter 7 case and you have secured debts, you should be prepared to disclose to the court how you intend to handle your secured loans. In other words, you must decide whether you will surrender the asset you pledged as collateral (house, vehicle, boat, etc.) to the lender,...Read More