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  • any people don’t know that tax debts can sometimes be included in a bankruptcy.  One common reason people decide to file for bankruptcy is because they owe back taxes to the federal or state government. Oftentimes, they have already tried to set up a payment arrangement with the state or the IRS or they have […]

  • ero down or nothing down chapter 7 bankruptcy firms are experts at playing on your lack of understanding. Pay nothing and get a fresh start; worry about the consequences later.   They could have offered payment structures before filing. (What they don’t tell you is your later costs will be extreme and you won’t be […]

  • s a general rule, debts incurred after you file for bankruptcy normally cannot be discharged (wiped out) in bankruptcy.  You will still be responsible for any debt you incur after filing your petition but before receiving a discharge.  In spite of this rule, you do have some options available to you in dealing with this new […]

  • Chapter 7 Trustees When a Chapter 7 bankruptcy is filed, an impartial bankruptcy trustee is appointed to oversee and administer the case. The Chapter 7 Bankruptcy Trustee has many responsibilities including reviewing the Bankruptcy Petition, schedules and related documents; placing the filer under oath and examining the filer in a hearing about information contained in […]

  • After filing for bankruptcy, either Chapter 7 or Chapter 13, there exists a second course that must be taken before the bankruptcy court will approve the discharge of debts and close your case. This second course is called the “Personal Financial Management course, otherwise known as the “Debtor Education” class or simply, the “second course”. […]

  • Clients who have already filed their bankruptcy case, had the debts discharged and the case closed sometimes contact me about creditors (usually post-dated check lenders such as Pay Day, Money 4 U, Check City, Cash LLC, Dollar Loan Center, and other loan sharks) who still contact them and claim that if they don’t get paid, […]

  • Most people have heard of Chapter 7, Chapter 13 and Chapter 11 bankruptcies. Chapter 12 is a unique chapter of the bankruptcy code in that it is established to protect only two limited categories of people: family farmers and fishermen. For example, in 2011, there were 1.4 million bankruptcies filed in the United States. Of […]

  • It is around this time of year that past clients call telling me they’ve received a Form 1099-C from a creditor.  They want to know why they received a Form 1099-C and what they should do about it.  Do they need to respond?  I tell them they do need to respond, but I reassure them […]

  • I’ll run into situations with clients where one spouse wishes to file Chapter 7 bankruptcy, but the other spouse doesn’t. Oftentimes, the one who wants to seek a discharge is dealing with debts accumulated prior to marrying his or her spouse and thus, the non-filing spouse isn’t connected to the debt. (In other situations, a […]

  • Sometimes clients come into the office wanting to find out what will happen to people who have cosigned or guaranteed a debt of theirs.  I tell my clients that the general rule is that the cosignor remains obligated on the loan because they originally agreed to be responsible for a joint obligation when they signed […]

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