How do you pick a bankruptcy lawyer when you’ve never hired any lawyer and never before considered filing bankruptcy? What do you ask a bankruptcy lawyer to determine if the lawyer is the right one for you? After all, the conversation has to move beyond “what does bankruptcy cost?” Financial troubles are tough and bankruptcy […]
Client “wants to think” before getting good bankruptcy information
The caller with a pending foreclosure sale called and canceled an initial consultation with me last week. He wanted to “think about it” before coming in. Huh? Think about being homeless? Think about the cost of getting relief through bankruptcy? Think about confronting a dire situation? It was almost as if gathering information about options […]
Life After Bankruptcy: What’s It Really Like?
What’s life really like after bankruptcy? Everyone suffering through financial difficulties wants to know whether filing bankruptcy just trades one form of pain for another. Will you be shut out of the American dream forever? Unable to function in a world centered on electronic payments? Here’s a collection of our best stories and advice on […]
Deal With Your Taxes After Bankruptcy
When you’ve still got taxes after bankruptcy, things can get complicated. That’s because some taxes got discharged in bankruptcy, while others may live on. The taxes that live on get an extension on their life span. And liens after Chapter 7 just keep on chugging. So let’s make sense of taxes after bankruptcy. Which taxes […]
When You’re Behind On Your Car Loan
Are you looking over your shoulder for the repo man every time you park your car? You’re not alone. Delinquent car loans are on the rise: almost 1 in 20 vehicle loans are in default. If you’re in that group of Americans struggling to pay for your wheels, there are solutions in bankruptcy. If you […]
How To Pay For Bankruptcy When You’re Flat Broke
One of the cosmic ironies of our legal system is that it costs money to file bankruptcy. Bankruptcy gets you out of debt only if you have the money to file. The costs of bankruptcy include the filing fee collected by the court; the required credit counseling; and, if you’re smart, an experienced lawyer to […]
5 Free Tools To Fight A Debt Collector
When a debt collector calls, the conversation often seems all too one-sided. The collector makes impossible demands. Nothing you say penetrates. Including your assertion that you don’t recognize the collector, the debt, or any legal responsibility for paying. Or maybe you recognize the debt but simply don’t have the money to deal with old debt […]
How to fight back against EDD’s Form 1099G
By William Purdy Got an EDD tax form 1099G but no benefits? At this moment, POTENTIALLY hundreds of thousands of California taxpayers are enjoying the ghastly experience of receiving a Form 1099G courtesy of the California EDD for unemployment benefits the taxpayer never received. ABC News reported the EDD has admitted to paying as much […]
Bankruptcy Filing Requires More Than Honesty
The discharge of debts you can’t pay is the goal of a bankruptcy filing. That discharge wipes out debts, making them forever unenforceable. Yet, it isn’t a slam-dunk that your bankruptcy case ends in discharge. The Bankruptcy Code lists 12 situations in which a debtor doesn’t get a discharge. Which is why my colleague Jay […]
Rising From The Ashes Of Financial Disaster
Life doesn’t end with bankruptcy. Bankruptcy doesn’t mean that the good times are all in the past. There’s the future, too. Both the individual and society reap benefits from bankruptcy in ways that you may have missed. So, in my view, Jay Fleichman’s analysis of the bankruptcy of Halsey Minor, the founder of CNET and once […]
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