as-vts5midw's blog

As some of my earlier blog posts have detailed, the pursuit of Social Security disability benefits is an arduous one.

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.

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.

After over twenty-three years of helping individuals and families resolve their financial problems, I’m still amazed by how often I get this question. The answer depends on what is meant by “debts”. Let me explain.

Fines and Criminal Debts

My wife and I have the guilty pleasure of watching the reality TV series, Christley Knows Best. For readers unfamiliar with the series, the show offers an inside look at the antics of the millionaire Christley family and the family’s flamboyant father, Todd Christley.

A question that comes up frequently during a bankruptcy process is: "How does a judgment lien taken against me before a bankruptcy case is filed affect me after my case has been discharged?" This question usually arises because a person may be concerned about future liens that may be reflected in a title search upon purchasing or refinancing real estate.

In order to have a successful Chapter 13 bankruptcy, you must make sure you are on time with your Trustee payments.  If you have a house, you must also make sure you stay current with your mortgage payments.  Of course, life happens, and if you have trouble with making your payments we at Bond & Bote