I'm behind on my mortgage--what can I do?
Mar 09, 2012
The most common problem people come to see about is being behind on a mortgage. Knowing you might lose your home is scary, but there are a lot of ways we can help you get back into good standing on you...
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Dealing with car loans in Chapter 13 bankruptcy
Mar 09, 2012
Clients often want to know what we can do to help them with their car payments in Chapter 13. Often we can make it a whole lot easier for clients to pay their car loans. Here are some of the ways we ca...
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Lien stripping--removing an underwater second mortgage in Chapter 13
Sep 27, 2011
One of the benefits of Chapter 13 bankruptcy over Chapter 7 is flexibility. There are just lots of ways we can help your financial situation in a Chapter 13 that we just dont have the power to do in Ch...
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Can I discharge student loan debt in bankruptcy?
Sep 27, 2011
One of the only types of debt that cant be discharged in a bankruptcy is a student loan, and even then, there are exceptions. But student loans can be discharged in relatively rare situations of undue ...
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Can I keep some debts out of my bankruptcy?
Sep 27, 2011
Bankruptcy clients often wonder whether they can leave off certain debts on their bankruptcy filing. The short answer is no. The long answer? Also no.
This usually comes up where you have a #1 favorite...
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Using Chapter 13 to stop foreclosure
Sep 27, 2011
Often people come to see us after theyve done everything they can to keep their home out of foreclosure. Many try to get loan modifications from their lenders, but after lots of runaround,most are deni...
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The automatic stay: creditors can’t mess with you once you’ve filed bankruptcy
Jun 20, 2011
One of the benefits of bankruptcy is that it will stop debt collection against you. This means no more phone calls from debt collectors, no more threatening letters, and lawsuits against you must stop ...
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Can a second mortgage company sue after a foreclosure?
Jun 20, 2011
In the wild heyday of mortgage lending, many people were offered two mortgages when buying a house. The first mortgage was a traditional mortgage for 80 percent of the value of the home. But for borrow...
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Can a debt collector leave messages on my voicemail?
Jun 20, 2011
The Fair Debt Collection Practices Act (FDCPA) makes it illegal for a debt collector to communicate with any person other than you or your attorney about your debt. When a debt collector leaves a messa...
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Domestic partnership and bankruptcy
Jun 20, 2011
We often work with same-sex couples dealing with debt. A few tricky issues come up with clients in domestic partnerships that want to file bankruptcy, but for the most part, the bankruptcy law treats t...
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