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When Legal Matters Become Personal
Bankruptcy law requires debtors to disclose all of their assets, including potential legal claims. Failing to do so can create serious problems. But what happens when a debtor makes an honest mistake? On June 11, 2026, the United States Supreme Court issued an...
For many Americans, monthly Social Security benefits are not just retirement income — they are the money that keeps the mortgage paid, the lights on, and groceries in the refrigerator. That is why clients are often shocked to learn that even though Social Security...
If you’ve ever worried about “getting something wrong” in a bankruptcy case, a recent U.S. Supreme Court argument shows just how high the stakes can be—and why the law may be shifting in a more practical, fair direction. ⚖️ The Case in Plain English The case involves...
The easy way to qualify financially for chapter 7 bankruptcy (i.e. without doing the means test) is by being under the median income. The census bureau has determined that the median income for these household sizes has increased as follows, effective cases filed on...
If the recent economic headlines feel discouraging, you’re not imagining it. A growing number of reports suggest that many Americans are struggling financially—even as the broader economy sends mixed signals. Recent reporting indicates that more Americans are relying...
How Do I Protect My Tax Refund in Bankruptcy? Every year around tax season, one question comes up again and again from clients considering bankruptcy: “If I file bankruptcy, will I lose my tax refund?” The short answer is: probably not. In many cases, people are able...
In 2024, Minnesota became one of the first states in the nation to make personal finance coursework a mandatory requirement for high school graduation — a major step toward teaching young people how to manage money, avoid overwhelming debt, and build financial...
The United States Trustee Program (USTP) has just announced that it will resume audits of consumer bankruptcy cases beginning February 20, 2026. This move affects individuals filing Chapter 7 and Chapter 13 bankruptcies and marks a change from the temporary suspension...
One of the most common fears I hear from people considering bankruptcy is this: “Will I still be able to rent an apartment?” It’s an understandable concern. Housing is essential, and the idea that filing bankruptcy could close doors to safe, stable housing feels...
After bankruptcy (especially Chapter 7), your personal liability for a mortgage is typically discharged, meaning lenders usually stop reporting payments because they can't pursue you for a deficiency, showing a $0 balance and "discharged" status instead; however, if...