Bankruptcy

When discussing the different options to deal with various debt and creditors with my clients, chapter 13 is a common topic.  A chapter 13 bankruptcy, commonly called a reorganization, allows a person or married couple to propose a single payment that will cover most, if not all, debts owed to creditors over a period of

An all-too-common situation we see our clients and potential clients struggling to keep up with a mortgage payment or car payment.  Many times, an unexpected event has caused this issue, and, many more times, lenders are unwilling to offer any assistance.  In some situations, foreclosure or repossession are only a short time away. One of

Possibly the most devastating collection action we frequently see in our office are clients and potential clients that have a wage garnishment active or getting ready to begin.  Although exceptions and exemptions apply, most civil wage garnishments can take up to 25% of your paycheck, leaving most people already financially strapped in dire straits.   Some

A matter I commonly discuss with my clients is why someone would want to file a chapter 13 versus a chapter 7 as payments to the court are required in a chapter 13.  While there’s no clear cut answer as every situation is different, there are several characteristics of a chapter 13 that make it

When someone is being sued concerning debt or is facing a foreclosure or repossession, time can be of the essence.  All too often, this firm sees hardworking people that are put in an impossible financial situation after experiencing a wage garnishment, a bank account levy, or a repossession.  These collection actions—especially a wage garnishment—can make

Many of the clients with which I meet have recently been served with a complaint in a lawsuit. They are understandably on edge and uncertain about what they can do or what may happen next. Each lawsuit and situation is different, but the worst thing to do is always the same: take no action. If