How To Get Rid Of Your Credit Card Debt

by Hermin Dowe on February 16, 2016

When an individual files for bankruptcy, they often have questions about what they can and cannot get rid of in terms of debt. Credit card debt is the number three cause of bankruptcy in the United States, and it is important to understand what is dischargeable under the terms of Chapter 7 or Chapter 13 […]


Should You File Chapter 7 or Chapter 13 Bankruptcy?

by Hermin Dowe on July 31, 2015

If you are considering filing bankruptcy, this is probably not the happiest time in your life. You are probably worried and unsure of exactly what to do, and which kind of bankruptcy you should file, if any. It is important that you understand that the bankruptcy laws are federal laws that govern in all 50 […]


Reopening a Bankruptcy Case

by Hermin Dowe on July 27, 2015

  Oops, did your forget something important in your bankruptcy case? Fortunately, it is usually possible to reopen a bankruptcy and attempt to “fix” what went wrong. Often a case is reopened when a procedural error occurred, including: -failing to timely file your counseling certification (Official Form 23) -failing to name an essential creditor -failing […]


Bankruptcy And Retiremant Savings

by Hermin Dowe on July 23, 2015

One of the biggest concerns most people have when filing for bankruptcy is what will happen to their retirement assets. As you get older, the fear of losing your retirement savings can keep you up at night. A good bankruptcy attorney can help set your mind at ease and work with you to set up […]


Can You Discharge Debts Owed To The Government

by Hermin Dowe on July 20, 2015

Many people are under the impression that if you owe any kind of debt to a federal authority, it is non-dischargeable in bankruptcy. This is not always the case. Like any other debt it depends on what type of debt it is, not who the creditor is. It can be very helpful to have an […]


Self Employment And Bankruptcy: What You Should Know

July 13, 2015

Filing for personal bankruptcy is difficult enough when you have a job at a regular employer. When you are self-employed, it can be infinitely harder. You will need a lot of records and information to make sure nothing has been omitted, and because of that a bankruptcy attorney may be worth their proverbial weight in […]

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Did You Personally Guarantee That Loan

July 6, 2015

Did you Personally Guarantee that Loan? When you are filing for Chapter 7 bankruptcy, one question is constantly on your mind whenever you are discussing any one of your debts: is it dischargeable? Very often, the answer is yes, but only under certain conditions. Personal guarantees are no exception. Given that they can be somewhat […]

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Chapter 13: The Road Less Filed

June 29, 2015

Chapter 13: The Road Less Filed Most bankruptcies today are filed under Chapter 7 of the federal Bankruptcy Code. However, If you make too much money to qualify, you may have to file under Chapter 13. Many people are not familiar with Chapter 13 requirements, which differ noticeably from Chapter 7. There are certain advantages […]

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The Creditors’ Meeting: What To Expect

November 17, 2014

If you are an individual filing for bankruptcy, you will have to follow a certain process, regardless of what chapter of the Bankruptcy Code you are filing under. At some point, you will have to have a meeting of your creditors before you can obtain discharge (if you are under Chapter 7) or before your […]

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Dealing With The Man: The IRS And Bankruptcy

November 10, 2014

When a debtor files for bankruptcy, the last thing they want to deal with is the Internal Revenue Service (IRS). However, it has become increasingly common in recent years to file for Chapter 7 or 13 due (at least in part) to high tax bills. It is imperative going in that you be aware of […]

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Divorcing and Bankrupt: What Order To File?

November 3, 2014

Divorce is a difficult matter. At the time, it feels impossible to disentangle your affairs from your spouse’s. It is important to make sure you and your spouse are on the same page in all respects, including financial. Some couples find it advantageous to file bankruptcy before getting divorce; others find it simpler to file […]

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