The first question I often get when someone comes into my office is, “When will those creditors stop calling?” When you come in to discuss filing a chapter 7 or chapter 13 bankruptcy, you can be free from creditors calls the moment retain me. And no, I’m not a miracle worker. An experienced bankruptcy attorney is just able to use the law to help you get peace of mind.

So how does it work? We have a “creditor line” to which all of your creditors will be referred. Any questions they have or comments they may need to make to you can be taken care of by our office. Make sure you ask any attorney you’re thinking of hiring if they provide this extra service to help you while you are preparing to file your case. I think you’ll find that most don’t.

All you need to do to prevent harassing creditor calls is call to set up a consultation. The appointment is free—but not having to live in fear of who is on the other end of your phone line may be priceless.

I’m sure you’d like to purchase a home for less than the amount that it’s worth, and save yourself some money, right? If you’re looking into purchasing a short sale property, then you may be able to do just that. Purchasing a short sale property is fairly easy, but there are a few things you want to watch out for. As… Continue reading

The world of Bankruptcy was different before the Bankruptcy code was amended in the late 90s. It was easier to file, easier to discharge certain debts, but more specifically, it was easier to put student loan debts into a Chapter 7. Now, according to Bankruptcy Law, you can only discharge student loans if you show your loan payment causes “undue hardship” on you and your family. What does that mean?… Continue reading

I’m sure you get tons of credit card offers in the mail just like me. They all come with tempting offers of low interest rates and no annual fees. I even am convinced to take some of them out of the envelope and read them. Ultimately, I decide against most of them. If you are having trouble “just saying no,” here are some suggestions you might want to think about… Continue reading

Having trouble developing a budget? You’re not alone. Millions of Americans try to handle their finances without listing their expenses—and get into trouble. A budget helps you establish your options, see what exactly you are spending money on, and see what you will be able to afford.

Start with a list of your total income. Include income from your job after taxes, alimony, child support, benefits, pensions, etc. Any… Continue reading