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When Legal Matters Become Personal
When a person is facing foreclosure, most of the time they have already tried to modify their loan, and were turned down. But if you have not done that, you should try — I can virtually assure you that it will be a long and cumbersome and frustrating process, and in...
I will start out with a very simple premise for my Chapter 7 and Chapter 13 clients, which I call the 10 word rule: If you want to keep your house, make the payments. (Same rule applies for cars). The 10 word rule covers 95% of what you need to know. The other 5% is...
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...
This usually means that you are getting toward the end of the collection cycle, that you have not had the money to pay your unsecured bills for at least a year, that your credit is probably shot, and it is probably time to call me. You have 20 days to serve a written...
The airwaves are filled with ads touting debt settlement or debt negotiation, implying that is a better solution than bankruptcy. A credit counseling plan, also called debt consolidation, or debt management plan, typically work by a nonprofit agency (which is often...
January 31, 2011 This seminar was reprised for live webcast twice, on January 31, 2011, and again on June 7, 2011.
October 4, 2010 Presentation at the annual Minnesota Bankruptcy Institute. Special issues for married and divorced issues. A lively discussion of the asset, debt, income and ethical issues that arise when married, separated, or divorced debtors file bankruptcy...
February 16, 2010 Presentation before the Minnesota State Bar Association Bankruptcy section, along with panel members Tom Johnson and Lawrence Zielke.