ngajewski's blog

To answer this question, let’s first talk about what I mean by the word “co-signer.”  Legally speaking, there is very rarely a difference between the person who signs a loan document first and who signs second.  In everyday conversation we all usually refer to the second person as the co-signer.  However, in the eyes of the law, it does not matter who signs first or

At every initial consultation I have, one of the first questions I ask is “Do you own any real estate?”  More often than not the answer I get is “Well, I own my home, but I don’t want to include that in a bankruptcy case.”  However, when a person files a bankruptcy case of any kind, the Court requires you to disclose everything you

There’s no denying that many people still feel nervous about filing bankruptcy.  They know they have financial problems, but they tell themselves “Bankruptcy is only for people who don’t have jobs, right?

In an average Chapter 7 or Chapter 13 bankruptcy case, the person filing the case typically will only need to appear in court one time.  That hearing is called a

Hopefully, filing for bankruptcy relief is something that you may only need to do once, but that isn’t always the case.  Suppose you’ve been in Chapter 13 Reorganization bankruptcy

Part of the process of filing for Bankruptcy relief is disclosing to the Court a list of the names and addresses of all your creditors.  In addition the Court also requires that you disclose the amount that you owe to each creditor.  However, your creditors have an opportunity to assert that they are owed a different amount.

On August 10, 2015, media company Columbia House filed for Chapter 11 bankruptcy relief in a Manhattan court.  Columbia House was famous for offe

Stopping a potential foreclosure of your home is one of the primary benefits of filing for bankruptcy relief.  As discussed by my colleagues in other posts, filing bankruptcy puts in place the Automatic Stay.