Blogs

New Bankruptcy Forms and Rules become effective December 1, 2015. There are several major changes to the forms, but the one I find the most interesting is the new Declaration under Penalty of Perjury in the new forms.

Some of you may recall my August 5, 2015 blog entry Is the Social Security Administration’s Disability Program Running Out of Money?

During a consultation, clients may need to discuss how they can deal with a cosigned debt. It might be that they want to untangle themselves from a cosigned debt or it might be that they need to protect someone that has co-signed a debt obligation for them.

Frequently, when I am meeting with a prospective client, this question will be asked. Often, those prospective clients are worried about keeping a credit card for emergency use.

Are you struggling financially from trying to protect a son, daughter, sibling or parent from drug addiction?  If so, you are not alone.  As the holidays approach, I am excited about seeing my family.  However, I am a sister and sister-in-law of recovering drug addicts and existing drug users.  The holidays can be very hard for those of us who have family members who are drug addicts. 

Can filing bankruptcy help me get my driver’s license back? Maybe. First, it depends on why your driver’s license has been suspended or revoked.

In very recent years, Federal laws have been enacted to provide enhanced protection for certain exempt funds from Garnishment of your bank account.  It had become commonplace for banks, upon receiving a garnishment order from a judgment creditor (person or entity you owe), to freeze the account of the judgment debtor (you) without regard to whether the account contained exempt fe

It is commonly thought that arbitration benefits everyone since it prohibits someone from suing an entity (usually a corporation) for something that was allegedly done wrong.  The common refrain is that, if businesses can’t be sued for perceived misdeeds, then the result should be lower prices for the consumer.  Yeah, right. (Note: sarcasm).

When you file for Chapter 13 or Chapter 7 bankruptcy, you must list all of your creditors.

The answer is no!  A motion for relief from the automatic stay is filed when a debtor falls behind on the post-petition payments on a direct paid debt.  A foreclosure can be stopped by the filing of a