Resources & information

Restructure Your Vehicle Loan

Are you “underwater” on your vehicle? Is it worth a lot less than what you owe on it? If so, then in a bankruptcy case you have the right to require the car lender to give you the title if you pay them what the car is worth instead of what you owe. This is why...Once you have filed a bankruptcy case, a lender generally cannot sue you for any unpaid vehicle debt

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Catch-up a Mortgage or Stop Foreclosure

If you are behind on your mortgage, a Chapter 13 bankruptcy may help you fix the problem. Often, once a person falls behind by a few months on a mortgage, the mortgage lender will refuse to accept any more payments on the mortgage until the mortgage is brought completely current

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Eliminate Your 2nd or 3rd Mortgage

If your house is worth less than you owe on a first mortgage, and if you qualify for a Chapter 13 bankruptcy case, then you can completely cancel a second mortgage in a bankruptcy case. Why? Because the bankruptcy laws recognize the reality of the financial situation. If you were to surrender the home in a foreclosure, it would not sell for more than it is worth

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Types of Bankruptcy

Chapter 7: Straight bankruptcy designed to give an individual a quick fresh start. The vast majority of individuals that file Chapter 7 keep all of their property, including homes and vehicles

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Frequently Asked Questions

1. What property can I keep if I file bankruptcy? When an individual files for bankruptcy he is allowed to keep a certain amount of property. The allowances are very generous and most people keep everything that they own. In addition, if you have a loan on the property, such as a house or a car, you only have to exempt the value of the property that is not covered by the loan

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Chapter 7 Guarantee

I guarantee that I will do my best to evaluate your case and properly represent you. I will refund the attorney’s fees you pay to my firm if you file a Chapter 7 case that is dismissed without receiving a discharge. This guarantee is limited to clients who: Attend all required meetings and hearings. Timely provide all documents requested by my office or the trustee. Timely

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Bankruptcy Myths

1. Bankruptcy will ruin my credit. Probably not true. In fact, depending on whether your credit score is already suffering, bankruptcy might cause it to actually go up.  2. Everyone will know that you have filed for bankruptcy. Not true

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