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Blogs

The Process of Filing for Bankruptcy

Before filing for bankruptcy, it's a good idea to consult with a consumer credit counseling agency. Not only does this allow you to assess your debt consolidation options, but also it can help you ...
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How to Buy a House After Your Bankruptcy

How to Buy a House After Your Bankruptcy There is a common misconception among American consumers that filing for bankruptcy will prevent them from purchasing a home. In reality, a debtor is eligible ...
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Protecting Your Personal Assets During Bankruptcy

A common misconception about filing for bankruptcy is that it results in loss of all of your personal assets. In reality, some of your assets are exempt under bankruptcy protection laws. Bankruptcy ...
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What Debts Won't Be Discharged During Bankruptcy?

Bankruptcy discharge is a legal process in which the court releases a debtor from personal liability for specific types of debt. Following a bankruptcy discharge, the debtor is no longer obligated to ...
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Filing Bankruptcy During Retirement

Though retirement should be a period of financial stability for seniors, an increasing number of American retirees are faced with overwhelming debt. In fact, seniors represent the fastest growing ...
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Retirement Funds and Bankruptcy

If you’re thinking about consulting a bankruptcy attorney, you likely have a lot of questions regarding what may happen to your assets. Many people fear losing their retirement funds to their ...
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What to Expect After You File For Bankruptcy

Filing for bankruptcy is a significant event that will change your life in many ways. You’ll receive financial counseling, which can help you learn how to adhere to a budget after bankruptcy. ...
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Can You Get a Credit Card After Bankruptcy?

For many people, overwhelming credit card debt played a significant role in their decision to file for bankruptcy. Ironically, applying for a credit card after bankruptcy can help you improve your ...
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Making the Decision to File for Bankruptcy

Occasionally, filing for bankruptcy is quite clearly the right solution. For example, if you’re paying $3,000 to your creditors each month and your monthly income is only $4,000, then filing for ...
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What Happens Before You File Chapter 7?

In order to file for chapter 7 bankruptcy, you must meet the “means test.” This test compares your income to that of median income statistics in your area. If your income is below this ...
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A Guide to Rebuilding Good Credit After Bankruptcy

Building credit following bankruptcy is difficult, but it's not impossible. Having a bankruptcy on your record means you will end up paying more to borrow money, as you are now considered a ...
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Chapter 7 Bankruptcy: Your Rights and Responsibilities

Unlike chapter 13 bankruptcy, chapter 7 bankruptcy does not involve filing a repayment plan. Instead, your bankruptcy trustee will gather and sell all of your nonexempt assets and use the sale ...
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Stuart Swanson selected as a Super Lawyer

Our very own Stuart Swanson has been named a Super Lawyer by SuperLawyers.com. "Super Lawyers selects attorneys using a patented multiphase selection process. Peer nominations and evaluations are ...
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A Look at Credit Card Debt in Young Adults

According to a study by Ohio State University, young adults born between the years 1980 and 1984 have accumulated credit card debt $5,000 higher than the previous two generations. In addition, young ...
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Do You Need Help With Your Spending?

It’s common for a person to go through bankruptcy through no fault of their own. This may be because of a divorce or because of a psychological problem, such as compulsive spending. If you think ...
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A Look at Your Financial Life After Bankruptcy

For many families struggling with overwhelming debt, a bankruptcy filing offers the opportunity to get a new start and achieve financial stability. However, bankruptcy is not a “one and ...
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Retirement Funds and Bankruptcy

Bankruptcy is often a viable option for people who are buried in debt and need a fresh financial start. However, some may hesitate to consult a bankruptcy lawyer because they’re concerned about ...
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Breaking Down Myths About Bankruptcy

On average, more than a million people file for bankruptcy each year. It’s a legal method of discharging debts when you lack the ability to repay them. Despite the commonplace nature of ...
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Getting Out of Credit Card Debt

Credit card debt is particularly damaging to one’s financial health because of the typically high interest rates and excessive fees. In fact, high amounts of credit card debt are a common reason ...
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When Chapter 7 Isn't Your Best Bankruptcy Option

It can be challenging to determine whether Chapter 7 or Chapter 13 bankruptcy might be best for you. Consider meeting with an experienced bankruptcy attorney to discuss what each type of bankruptcy ...
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A Look at the Illinois Bankruptcy Homestead Exemption

If you’ve considered meeting with a bankruptcy attorney, you may be concerned about what could happen to your home after filing for bankruptcy. Most individuals who file for bankruptcy are able ...
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Requirements for a Chapter 13 Hardship Discharge

One of the cornerstones of a Chapter 13 bankruptcy filing is the proposed repayment plan. This repayment plan typically lasts for three to five years. During this time period, you’ll make ...
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Bankruptcy Options for Small Business Owners

Since everyone’s financial situation is unique, it’s best to consult a bankruptcy lawyer regarding your specific options. In general, however, small business owners may file for Chapter 11 ...
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A Look at Record High Consumer Debt

Consumer debt has risen five percent from last year, with the average U.S. household owing $15,480 in credit card debt alone – not counting mortgage debt and student loan debt. With sky high ...
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What Happens to Your Car in a Chapter 7 Bankruptcy?

One of the primary concerns people have about filing for bankruptcy is whether they will be allowed to keep their assets, such as their vehicles. Your bankruptcy attorney can give you advice for your ...
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