In VERY RARE circumstances, ALL of your creditors can pursue you EVEN if you file for bankruptcy. Here’s how to avoid these rare but serious circumstances. In my last blog I listed three special classes of debts for which you can still be pursued even though you filed for bankruptcy. They are exceptions to the […]
Home prices are edging up. At least according to the latest monthly S&P/Case-Shiller Home Price Index released in late August. It shows that home prices went up in every single one of the 20 metropolitan areas included in this index. I’ll look more closely at these price increases and tell you about them in my […]
In my last blog I gave you the first five of ten ways that Chapter 13 allows you to keep your home. Here are the other five. 6. If you need to sell your home, Chapter 13 usually gives you much more time to do so than Chapter 7. More time means more market exposure, […]
In my experience the number one reason people choose to file Chapter 13 instead of Chapter 7 is to save their home. And it’s not just because Chapter 13 gives you a bigger hammer against your mortgage company; It gives you a hammer, but also a whole bunch of other tools. Some are more subtle […]
You may want the fast fresh start of a Chapter 7 case, but sometimes your circumstances scream out for a Chapter 13 instead. It’s true—for some people Chapter 13 provides tremendous tools not available under Chapter 7. Now all you have to do is qualify for it. Qualifying for Chapter 13 is completely different than […]
Not everyone who wants to file a Chapter 7 “straight bankruptcy” can do so. But most can. There’s probably no topic that causes more confusion to people thinking about filing bankruptcy –do they qualify? Let me set the record straight. 1. Inaccurate publicity: Many people think it’s difficult to qualify for filing bankruptcy because of […]
Picking the right Chapter to use to file your bankruptcy case can be simple or very, very difficult. And appearances can be deceiving. First take a look at this video I recorded about the basic differences between Chapter 7 and Chapter 13. A situation that seems at first to call for an obvious choice can turn […]
Rich Americans are buying again. The rest of us—not so much. The difference between the sales figures at luxury stores as compared to middle- and low-end ones shows who is coming out of the “Great Recession” doing pretty well and who is not. An article in the business section of the New York Times a […]
Usually not. But sometimes the indirect consequences can be huge. Considering what’s at stake, if you are either a legal or illegal immigrant and are thinking about filing bankruptcy, this is definitely an area where you need the advice of both a bankruptcy attorney and an immigration attorney. It’s my job to give my clients […]
As a bankruptcy attorney in Colorado Springs, I’ve found that a lot of people get pretty freaked out thinking about going to their Creditors Meeting. In order to reduce that anxiety, let me explain the purpose of the meeting and what generally happens at it: The Creditors Meeting is also commonly called the “Section 341 […]
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