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How Is A Chapter 13 Plan Payment Calculated?

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Just saying the words “Chapter 13 Plan Payment” can strike fear in the hearts of any person, let alone someone who has been struggling to keep up on regular monthly obligations. However, once you learn how the plan payment is calculated, you begin to understand how effective your plan payment is in literally reorganizing your […]

Can A Creditor Take Money From My Bank Account?

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Creditors can seize the money in your bank accounts if they have received a judgmentagainst you. Know Your Rights The money in your bank account may be shielded from creditors, commonly referred to as “exempt;” however, if you do not know how to inform the Courts that your funds are exempt, the garnishment will most likely […]

Raise Your Credit Score 100 Points In 9 Months

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Forget What You Have Been Told When trying to raise your credit score by any amount, nonetheless one hundred points, the furthest thing from most people’s minds is bankruptcy. Nevertheless, that is exactly how many of our clients are able to regain control of their finances and truly increase their credit score. I am sure […]

What Is A Judgment Against Me?

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A judgment against you is an order from the Court to pay a debt. A judgment comes about if you owe a debt to a creditor and they file a lawsuit against you to recover the funds. If you fail to defend yourself, or have no defense, the creditor will most likely receive a judgment against […]

What To Do If A Creditor Sues You

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If you receive legal pleadings from a creditor it is imperative that you know your rights as a debtor. Time Is Of The Essence The first thing you need to acknowledge is that time is of the essence. Once you receive the pleadings, you only have a very short period of time to do something […]

Do I Have To Attend A Bankruptcy Hearing?

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The short answer to the question, “Do I have to attend a bankruptcy hearing?” is “Yes.” It is very important for you to appear before the trustee for a myriad of reasons. Therefore, the trustee’s office expects you to appear and will dismiss your case if you fail to appear or make other arrangements. Now the long […]

What Is The Bankruptcy Means Test?

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The Means Test in a bankruptcy determines whether or not you are eligible for a Chapter 7 filing and what amount your plan payment must be should you decide to file a Chapter 13 case. Chapter 7 If your total household income is less than the median income for the county in which you reside, […]

Can I Reschedule My Bankruptcy Hearing?

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You can reschedule your bankruptcy hearing, if you need to. If we represent you, the only thing you need to do is let us know that you need to reschedule the hearing at least24 hours prior to the scheduled hearing. Per the terms of the retainer that you signed with our office, if one of your attorneys […]

What Is A Secured Debt?

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In a bankruptcy it is important to understand which of your debts are secured as you will have to decide whether you surrender the property or reaffirm the debt. Secured debts are debts that are linked to some type of property. The most common types of secured debts are your car payment and your house payment. Additionally, […]