Will I be able to continue seeing my doctor after a bankruptcy?

For non-emergency services, a medical clinic or dentist can stop seeing you as a patient for any reason, including nonpayment, even if that is due to bankruptcy. As a practical matter, medical clinics, and dentist will permit you to continue…

E-book on Bankruptcy Basics

I have just penned my first book about bankruptcy basics. To download it, fill out your email address below and it will direct you to a downloadable link.

BAP Takes Property Tax Exemption Case Under Advisement

The 8th Circuit Bankruptcy Appellate Panel (BAP) heard oral arguments in the case of In re Sheri Hanson last week. I represent debtor Sheri Hanson, who is trying to claim an exemption to protect a $1,500 property tax refund, which the State…
, ,

Can I file bankruptcy on payday loans?

Yes. While there are some who believe that subprime lending such as payday loans are a benefit to society, I only see the downside. It typically turns into an endless trap due to the usurious rates of interest that they have lobbied the legislature…
,

Texas Debt Collector Pays Huge Fine for Illegal Activities

Kare 11 recently reported that the FTC is cracking down on a Texas Business-to-business collections firm, which has engaged in illegal collection activities. Tucker, Albin & Associates agreed to cease and desist improper practices and pay…
, , ,

How much can a creditor garnish in Minnesota?

Typically a creditor can garnish 25% of your wages. If you are already paying child support, that would typically count against the 25%, so sometimes a child support obligor can be exempt from wage garnishment by a private judgment creditor.…
,

Will my debts come off my credit report after bankruptcy?

After your bankruptcy discharge goes through, your creditors may still appear on your credit report, although sometimes they come off of your credit report or weren’t on there in the first place. And they will go away once they are 10 years…
,

How do I get a free credit report?

You can get your official free credit report from www.annualcreditreport.com. You are entitled to obtain one free report from each of the three major credit bureaus on an annual basis. The one that is easiest to read is Experian.  www.freecreditreport.com…
, ,

How do I get a free credit report?

You can get your official free credit report from www.annualcreditreport.com . You are entitled to obtain one free report from each of the three major credit bureaus on an annual basis. The one that is easiest to read is Experian. You cannot…

Bankruptcy Petition Preparer Continues to Defy Court Order

In a prior blog post, I mentioned Judge Kishel's order shutting down bankruptcy petition preparer Ed Jonak, who does business under a variety of aliases, including Affordable Law Center, Affordable Court Services, Action Plan Rx, Christian Discount…