What Happens at the Meeting of Creditors? At the meeting of creditors, the debtor (that’s you) must make a personal appearance. Before the pandemic, these appearances were at the courthouse, but for the last two years, these “appearances” have been over the phone or zoom video conference. Your attorney will also be present on the [...]

The Guilt of Filing Bankruptcy: Famous Bankruptcy Filers Almost everyone that I speak to about filing bankruptcy feels they have done something wrong and they feel guilty that they have to file bankruptcy. I understand this feeling because I also felt this way before I filed bankruptcy in 2005. Before I went to law school [...]

Debt Relief Companies and the Better Alternative (Chapter 13 BK) When you find yourself in debt and start researching ways to get out of debt you may come across "debt relief," "credit counseling" or "debt management" companies. It has been my observation that these companies charge significant fees and often don't solve your debt problems. [...]

DO YOU OWE BACK TAXES? If you qualify for filing Chapter 7 or Chapter 13 bankruptcy, you may be able to discharge federal and state income taxes by filing under one of these bankruptcy chapters. A discharge relieves you of your personal obligation to pay the qualifying taxes. However, there are some important conditions that [...]

Evictions and Back Rent for Your Home, Apartment or Commercial Space Filing Bankruptcy may be able to help you eliminate back rent owed. Under bankruptcy law, back rent owed is included in your bankruptcy case and may very likely be discharged. When a debt is discharged in bankruptcy, the person no longer owes that debt. [...]

Are you having trouble paying your mortgage due to the Covid-19 pandemic? Foreclosure Moratorium Currently, there is a foreclosure moratorium for federally backed mortgage loans through at least June 30, 2021. Forbearance Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited time. You may [...]