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When Legal Matters Become Personal
One of the most common questions families have after the death of a loved one is, “Am I responsible for paying their credit card debt?” The answer is usually reassuring: in most cases, no. This can create a great deal of confusion during an already difficult time....
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...
For many Americans, a car isn’t a luxury—it’s a necessity. It gets you to work, picks up your kids, and keeps daily life moving. But recently, more and more people are finding that their car payments are becoming harder to keep up with. If you’re feeling that...
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...
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...
Sometimes people don't qualify for bankruptcy, don't need to, want to or aren't able to afford to, file bankruptcy. There are alternatives, including debt settlement, payment plans, chapter 13, or just asserting your state law writes outside of bankruptcy. But...
The easy way to qualify financially for chapter 7 bankruptcy (i.e. without doing the means test) is by being under the median income. Despite inflation and low unemployment, the census bureau has determined that the median income for these household sizes has changed...
A realtor will definitely tell you a short sale is better. But keep in mind that a realtor makes money by getting clients and selling houses. While there is nothing wrong with that, and I have nothing against realtors, realtors are trained to tell you this. And there...
Do I Have To File On All My Debts? Yes, even if you plan on keeping the asset (such as a home mortgage or car loan), even if you know they won’t get discharged (such as taxes, student loans or child support) and even if it’s a credit card you wanted to keep. They and...