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Consumer Bankruptcy

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Preparing for your Consultation

July 19, 2019

CONSIDER USING OUR ONLINE BANKRUPTCY EVALUATION Thank you for your inquiry regarding your financial difficulties. At our initial consultation we will discuss what action, if any, might be appropriate in your situation, and we will also agree upon a fee arrangement. There is no charge for the initial consultation. Please bring with you to the initial consultation as much of the following information and material as possible. FINANCIAL DIFFICULTIES INFORMATION SHEET Fully completed list of…

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Reaffirmation Agreements

July 19, 2019

During the course of a bankruptcy proceeding, Debtors are quite often presented with the opportunity to sign a Reaffirmation Agreement. A Reaffirmation Agreement essentially takes a debt out of the bankruptcy discharge and “re-ups” the debt, so that whatever debt is involved does not “go through” the bankruptcy. A typical reaffirmation agreement is in connection with a loan on a vehicle. Reaffirmation agreements are obviously a great benefit to banks, credit unions, and other financial…

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Changes in Bankruptcy Law

March 17, 2015

Back in 2005 there was a great deal of publicity about dramatic changes in the Bankruptcy Law passed by Congress and signed by President George W. Bush. The media covered this rather significant event along the lines of indicating that “no one would be able to file bankruptcy anymore”. Like much in the media, this reaction was overblown. While bankruptcy lawyers attended seminars and learned all there was to know about the new law, they…

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How does filing bankruptcy affect my credit?

July 23, 2014

The impact of bankruptcy on one’s credit after the bankruptcy proceeding is concluded is a common question and concern. Obviously, filing bankruptcy does not help your credit rating. It will definitely help your finances, in that debts will be discharged (eliminated) in the bankruptcy proceeding. However, credit reporting companies will keep the bankruptcy filing on your credit report for a period of 7 to 10 years. (Of course, if you didn’t file bankruptcy, the debts…

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Less Common Bankruptcy Chapters

June 23, 2014

Many people are not aware of the existence of bankruptcy options other than the most common, such being Chapters 7 and 13. Chapter 11 is the third most common type of bankruptcy. Chapter 11 cases can be extremely complex and are typically used by corporations or, in limited cases, individuals whose situation does not fit into a more standard Chapter 7 or Chapter 13 proceeding. There is also a Chapter 9 bankruptcy available to municipalities.…

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