How Can I Pay for the Bankruptcy Attorney I Need?

It is a frustrating fact of life that whenever you need valuable professional services, you generally have to pay for them. That’s true whether you need an electrician to replace your home’s main circuit breaker panel, a dentist to give you a filling, or a bankruptcy...

Keeping Your Car During Bankruptcy

While it goes without saying, it’s important to remember that a car loan constitutes a legal agreement between you and your creditor. As such, if you fail to make car payments it is within the legal rights of your creditor to repossess your car. It is important to...

Avoiding Identity Theft — What You Can Do

While a “wired” world has brought a number of conveniences — everything from online banking to tax returns filed over the Internet — it’s also created opportunities for criminals. Today, most people know someone who has been a victim of identity theft. What, then, are...

Avoiding Charges of Bankruptcy Fraud

It is very rare, but if someone does something improper before the filing of their bankruptcy case, it could cause a problem with their case being approved. For very serious and intentional violations, someone could be charged with bankruptcy fraud. In order to avoid...

A Secured Debt: What Is It?

When you are filing for either Chapter 7 or Chapter 13 bankruptcy, it is crucial to know the difference between a secured debt and an unsecured debt. The characterization of your debt can impact the fate of your personal property. Secured Debt Defined A secured debt...

How Divorce Can Affect Your Retirement Planning

Retirement is difficult enough to save for, but when you throw a divorce in the mix, things can get a bit complicated. Most people have IRAs, 401ks, pensions, savings accounts, bonds, etc. When you get divorced, there are a few different ways that the court looks at...

What Is a Property Lien?

A lien is a notice attached to your property to give the public notice that a creditor claims  you owe it money. Liens are typically public record and are filed at your local records office or with the county clerk. Property liens can be complicated, and if you have...

What is the “Automatic Stay” in Bankruptcy?

The “automatic stay” stops just about all actions by your creditors against you or your property as of the moment your bankruptcy case is filed. “Stay” is just a legal word for “stop.” It’s “automatic” because the very act of filing your case “operates as a stay”...