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The answer to this question should be a quick and simple no.   Unfortunately, for many people who file for bankruptcy, discharged debts still appear on credit reports and impact a large number of people who are legally trying to get a fresh start with their financial lives.  Deal Book/New York Times just published a

In Tennessee, if a married person owns property, particularly real property, with their spouse, this means the couple has an undivided one-half interest in the property.  Tenants by the entirety ownership, on practical basis, means that if one spouse passes away, the other spouse will automatically own the real property without the need to probate the estate

Prospective clients sometimes ask me this question. These individuals come to us all the time with all manner of thoughts and ideas about how a debt consolidation under Chapter 13 works, doesn’t work, or should work.

According to a recent study done by Auburn University as reported by AL.com, Alabama ranks in the top five states in the country to have the most payday lende

This may sound like a funny question but after over twenty five (25) years of counseling and representing people with money problems, I have observed that a great many of them follow the same emotional patterns while going through the bankruptcy process.

One of the fundamental concepts in bankruptcy law is the bankruptcy estate.  When a person files for bankruptcy, the “bankruptcy estate” is created.  All of the debtor’s assets and interests in property are property of this estate.

Yahoo! Finance recently published a good article providing six tips for homebuyers to improve their credit reports.  This is a good article for everyone to read as it relates to improving credit reports and, as a result,  credit scores.

This time of year we receive numerous calls from clients about their inability to make their Chapter 13 payment due to “unexpected bills”.  The unexpected bills usually turns out to be shopping for Christmas!  Christmas comes every year on December 25th so it is very important to budget for t