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That’s how a lot of conversations with potential clients begin. I’m sure it’s said in the hope that because their case is “simple” it won’t be [...]

Before a person can file bankruptcy, she must take a consumer credit counseling class offered by an approved provider. Then, once having filed, before she can get her discharge, she must take a [...]

In yesterday’s post, we talked about having to qualify for Chapter 7 or 13. For most individuals, the choices in filing bankruptcy are these two: 7 or 13. I mentioned that it’s possible a debtor [...]

I see this question in various forms quite often. There are four main chapters (types) of bankruptcies and how and whether you qualify depends on each. Chapter 7 This is what most people think of [...]

It’s Friday! Nothing legal here on Fridays. Today I want to go back to cooking and talk about cooking caveman-style: right on the coals. But first, I have a recipe for a fantastic steak [...]

When faced with seemingly overwhelming financial problems many people turn to loans from or cash outs of their retirement accounts. This is usually a bad idea for several reasons. Your financial [...]

The Meeting of Creditors, also called a “341 Meeting” because it is held under section 341 of the Bankruptcy Code, is often the only time a debtor has any interaction with those involved in her [...]

If a person isn’t judgment proof, she might end up being garnished to collect a judgment. What does that mean and how does it work? What is garnishment? A garnishment is a court order that [...]

For Friday Fun, I’m going to share the ultimate Father’s Day gift. Everywhere you look you can see suggestions for the gift that will make dead old dad happy. Here’s my take on [...]

You might think that if someone is judgment proof, no one can get a judgment against them. No, that’s not correct. What Does “Judgment Proof” Mean? What it means is that even though a [...]