Are Payday Loans Dischargeable in a Chapter 7?

Payday loans are generally dischargeable without any arguments in a Chapter 7 Bankruptcy, because these loans are unsecured debts. There are, however, a few special cases. Fraud If you borrowed money within 90 days prior to filing bankruptcy, there is a presumption of bankruptcy fraud. Simply stated, the law presumes that you never intended to […]

Small Business and Bankruptcy

If you are the owner of a small business, your personal finances are probably closely linked with your business. Most small business owners invest a large amount of their time and money in trying to ensure their entity is successful. However, when the business faces financial struggles, it means the business owner is likely to […]

Filing Bankruptcy Can Help with “Emergencies”

A financial emergency may occur due to a sudden job loss or overwhelming medical bills.  When you are struggling to pay your bills and considering filing bankruptcy, it is important to understand which type of filing is best for you. In this blog, we’ll take a look at Chapter 7, Chapter 13 and breakdown how […]

Payroll Loan Available for Small Business, Sole Proprietors, Independent Contractors

On March 27, 2020 Congress passed and the President signed into law the CARES Act and emergency stimulus package, providing financial relief to individuals and businesses effected by the ongoing COVID-19 pandemic.  If you are a small business owner, sole proprietor, or even if you are paid as an independent contractor, the law may provide […]

Important Questions to Ask About Your Business Debt

Being a business owner is a lot of work. You invest your time, money and effort into making your business a success. But if your entity is struggling, it can have a significant impact on your personal finances. If your company is not making a profit, you are likely trying to figure out how you […]

Is There Anything I Can Do About a Default Judgment?

If you have been sued by a creditor and you did not appear or file a timely answer with the court, it is likely a default judgment has been entered against you. Many people just “give up” when this happens and believe there is nothing that can be done about it. However, many times there […]

Tips for Discussing Bankruptcy with your Children

It is a natural reaction for parents to attempt to shield their children from dealing with financial troubles. However, if you are considering filing a personal bankruptcy case, it is wise to discuss it with your entire family, including your children. You can tailor the conversation to fit the age of your children, but it […]

What You Need to Know About Credit Card Debt in Bankruptcy

Credit card debt is one of the most common factors that contribute to individuals filing for bankruptcy protection. If you are overwhelmed by your credit card bills, filing a Chapter 7 or Chapter 13 may be the solution. In a typical Chapter 7, the majority (if not all) of your credit card debt will be […]

Facing Foreclosure? Know Your Options

When you are past due on your mortgage and your lender is threatening foreclosure, it can be overwhelming. You may be wondering what you can do to try to save your home. While no two cases are identical, most homeowners have several options available to them. Below are a few actions you may want to […]

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