Who is the Chapter 13 Bankruptcy Trustee and What Does He Do?
The job of a bankruptcy Trustee is to seize and sell your house, car and other property to pay your debts. It sounds scary, but we can use bankruptcy law to keep your property safe from the bankruptcy trustee AND make the trustee work for OUR side when we choose a...
Don’t Go to Jail for Back Child Support!
We serve many hard-working people that pay their child support and love their kids. When good people have employment interruptions or illness, child support payments can fall behind. Unfortunately, here in Alabama Child Support laws can be used to kick you when you’re...
What is the Means Test? Can I pass it?
The Means Test is a Clumsy Attempt to Keep Rich People Out of Bankruptcy, Right? Well yes and no. That means test is a clumsy piece of legislation that is true. It is also true that rich people usually don’t file chapter 7 bankruptcy. It’s not easy to determine...
What Is a Buy Now, Pay Later Service?
Buy Now, Pay Later (BNPL) Services for Groceries With food prices at historic highs, more consumers are turning to buy now, pay later services for their grocery purchases. Companies such as Klarna, Zip, Zilch, Affirm and Afterpay seem so convenient. Klarna reported...
That Boyfriend from Twenty Years Ago Ruined My Credit Today
Case Study: That Boyfriend from Twenty Years Ago Ruined My Credit Today. The first call of the day was from a suburban mom. She was in tears after her paycheck was garnished from out of the blue. We talked for a while, and I explained all the legal protections of...
Saving Your Home After the Death of a Husband
Case Study: Saving Your Home After the Death of a Husband I was able to help my client save her home after her husband passed away this spring. With the expenses of his last illness and burial, her fixed retirement income was not enough to pay the mortgage for several...
Case Study: Stop Mortgage Foreclosure FAST!
Stop Mortgage Foreclosure FAST! Today we helped our client to save her home from mortgage foreclosure. When she called, there was a mortgage foreclosure scheduled on her home. Following an illness and missed work she reached out to the mortgage lender, but they didn’t...
There’s a good chance that Americans’ total credit card balances will soon reach a new record high
Prices are rising and credit card balances are hitting record levels. Interest rates are moving up into the 18% APR range for folks with better credit ratings. Worse for the rest. Household debt is rising faster than inflation. Due to record high home values, credit...
Life After Bankruptcy
Ok, it's over. You have your Chapter 7 bankruptcy discharge from the Bankruptcy Court. What now? Do these seven things to tie up your loose ends and begin your fresh start the right way! Keep Keep your Discharge Order. Keep your lawyer's contact information. Keep a...
Government Stimulus Check: Don’t Believe the Hype!
So here’s what’s up: To Tenants: If the government says you don’t have to pay your rent and there’s a ban on evictions, you better do whatever you can to pay your rent. There will be major repercussions when evictions bans are lifted. Don’t think you’ll get a free...