ngajewski's blog

It is no surprise that the amount of income you have effects your ability to file a bankruptcy case.  However, there are many different types of income.  Wages, tips, Social Security, and VA Disability income are just a few.  Be aware that just because you may not have to file income taxes on all or a part of your income, that doesn’t mean you can leave it out

Bankruptcy is common enough that most people know the basic principles for filing a case.  However, some of the bankruptcy requirements are less well-known, which is why we always recommend you consult with an experienced bankruptcy attorney before filing a case.

Equifax, Experian, and TransUnion, the nation’s three largest credit reporting agencies, announced back in March of this year that beginning July 1 they will no longer include tax liens and civil judgments on credit reports.

At Bond & Botes we help people file for Bankruptcy relief, but it’s also important to us that our clients are protected after the case is finished.  The whole point of going through a bankruptcy is to receive a “fresh start” for your financial situation.  With that in mind, I wanted to use this blog post as an opportunity to discuss some important rights and protections that extend even after a bankruptcy case is fini

Spring is in the air (along with all the pollen that it brings!), but that also means that Tax Day is fast approaching!  Tax Day, the day your income tax returns are due, is April 15th of each year.  This year, however, everyone will have 3 more days because of how the date lines up with the weekend and a federal holiday.

This topic is another of the questions I answer on an almost daily basis.  Everyone wants to know how quickly a bankruptcy case takes effect and how quickly it will be done.  As far as court procedures go, bankruptcy is relatively speedy.

This is one of the most common questions I’m asked.  Debt consolidation (or Chapter 13 Bankruptcy as it is technically known) is one of the most common types of bankruptcy cases, and many people are familiar with how it works.  We have written before about many of the deta

As we finish the first month of the new year, tax season is starting to pick up.  By now many people have gotten their W-2’s or other tax forms from 2016 and they’re ready to file for their 2016 income tax returns.  If you’re in bankruptcy, or considering filing for bankruptcy, how will that affect your refund?

At this time of year in particular, we often see a large number of Chapter 13 clients that are considering converting to a Chapter 7 case.  At the start of the New Year, people often re-evaluate where they are financially, and with many people receiving their i

I realize, as a bankruptcy attorney, it may seem a little strange for me to urge our readers to just forget their money problems, but that’s exactly what I’m suggesting in this Blog post.  The Christmas Season is a time for family, togetherness, and happiness.  Don’t let yourself be weighed down by thoughts of bills and debt collectors.  Take a few days