No matter how much they’ve spent on other stuff, those shopping for a bankruptcy lawyer seem to expect a free consultation. “Everyone else offers a free consultation” I’m told. Not me: I don’t do “free”. But I’ve come to doubt what other bankruptcy attorneys offer is really a free consultation. Oh, it may be free, […]
Annual IRA Contribution: Use It Or Lose It
Tax day approaches. With it comes the IRA contribution deadline. You expect to live for decades after you’re eligible for Social Security, don’t you? Then, you have only until April 15th to use the 2021 allowance for contributions to a tax-advantaged IRA. Miss making that 2021 contribution and it’s gone for all time. So, you […]
Does Your Corporation Really Protect You From Debt: A Checklist
Business people usually incorporate their business to create a barrier between themselves and the debts of the business. They hope to insulate themselves from possible financial failure of the company. But all too many entrepreneurs stop working on the problem when the corporation is created. Failure to attend to the myriad of next steps can […]
The Truth About Tax Liens After Bankruptcy
We have a lien on your name. Not your property, your name. That’s what the county tax collector told my client, years after he got his bankruptcy discharge. And that multi-thousand dollar lien claim threatened to sink the refinance of his house. Eventually, we got the county straightened out without going back to bankruptcy court. […]
Top Ten New Bankruptcy Soapbox Posts of 2021
Every year, I count up the new posts on Bankruptcy Soapbox, and see how my readership ranked them. Now, if posts could talk, some might complain that they first saw the light of day in December 2021: it’s not fair to compare their audience with the posts from January. But, as JFK said: life isn’t […]
Closing Up Shop
What can you do when it becomes obvious that your business should close? The hardest part of being in business is recognizing when the business has no future and needs to close. Yet the overwhelming majority of new businesses fail within 5 years. So you’re not alone. In fact, in the face of the pandemic, […]
3 Things That Prevent You From Getting Out Of Debt
It’s not a bad economy, poor budgeting skills, or credit card interest that keep you from getting out of debt. It’s emotions, not reasons, keep people from filing bankruptcy and starting fresh. Even if Reason says that you’ll never pay your debts off in the usual way. Reason also says that paying old debt steals […]
Family Lawyer’s Cheat Sheet to Bankruptcy
Here, in a nutshell, are bankruptcy basics for family lawyers. This isn’t everything you need to know to navigate a dissolution where one spouse files bankruptcy, or when marital debts suggest both spouses should file. It’s a start to a complex issue. You can get the basic introduction to concepts and terms operative in bankruptcy […]
How To Write A Contract Without A Lawyer & Make It Stick
Even in a world where people attempt almost any skilled task with the help of Google, YouTube, or Legal Zoom, people continue to ask: is this contract legal? They aren’t asking (usually) whether the subject matter of the contract is permitted by law. They really want to know: will what I’ve written be enforceable. What makes it […]
Reduce Your Tax Hit By Filing Bankruptcy Rather Than Settling Debts
Settle your debts outside of bankruptcy and you may be bitten by taxes you didn’t expect years later. Yet, everyone I talk to would rather cut a deal with their creditors than file bankruptcy. It’s universal. But here’s the killer reason why bankruptcy alone protects homeowners from a unexpected tax consequence down the road. Debt […]
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