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A married couple doesn’t have to file bankruptcy together. One spouse can file without the other. It’s like taxes. A married couple can choose married filing jointly or married filing separately. [...]

Although it isn’t common, some creditors will insist that a debtor owes a discharged debt. Faced with a creditor who insists repeatedly that even though someone has filed bankruptcy she [...]

The real estate market is suffering in most places around the United States, but in Utah it’s booming. That’s good news for homeowners who may be looking to sell, but it also presents a trap for [...]

The last thing a debtor wants to hear is that someone, either a creditor or the bankruptcy trustee, has objected to discharge. What does that mean, why did they object and, most importantly, what [...]

Student loan debt exceeds $1.6 trillion. Just today I met with a man whose wife had signed on a PLUS (Parent’s Loan for Undergraduate Students) Loan and wanted to discuss a possible bankruptcy [...]

Stepping into the world of bankruptcy is like falling into the middle of a novel with no clue who the characters are or what what roles they play.  Here’s a brief description of who the [...]

We often hear that someone was “forced into bankruptcy.” Usually that means that the person decided that his debt was simply too much. Maybe creditors were garnishing wages, or a [...]

Sometimes you want a do-over. In golf it’s called a mulligan. In bankruptcy, it’s called “good luck with that.” Whether or not you can dismiss your bankruptcy depends on [...]

Reaffirmation AgreementsA reaffirmation agreement is where you agree to pay a debt even though it’s been discharged. By signing a reaffirmation agreement, you make it as if the bankruptcy never [...]

Today is tax day 2020. Thanks to Covid-19, the deadline for filing taxes is July 15 instead of the normal April 15. Besides doing taxes, some people might be considering bankruptcy due to job [...]