Category Archives: Bankruptcy Help

Do you really need Ch. 13 to save your home?

When does filing a Chapter 7 “straight bankruptcy” case help you enough so that you don’t need a 3-to-5-year Chapter 13 case?

Woman with Autism Gets Student Loans Discharged

I wrote a post for the blog of fellow New Jersey attorney Matthew Stoloff, who represents clients in the areas of disability rights and special education rights.  That post appears on Mr. Stoloff’s blog here.  You can also read the full text of my post right as follows:

In the past, I have mentioned the difficulty [...]

When to consult a student loan lawyer

Sometimes it’s obvious when you need to see a lawyer who practices student loan law:  When you are being sued, when your wages are being garnished, when some form of collection activity is being threatened or has already been instituted. But “an ounce of  prevention is worth a pound of cure,” as the saying, attributed to [...]

What’s involved with discharging my debts under chapter 7?

The point of filing bankruptcy is to get relief from your debts. So, when and how DO those debts get “discharged”–legally written off–in a regular Chapter 7 bankruptcy?

Debts in bankruptcy and how they’re treated

The most practical questions you likely have if you are considering bankruptcy is what it will do to each of your debts.

How to keep an income tax refund in your Chapter 7 bankruptcy

Can you keep your tax refund if you file a Chapter 7 case? It’s mostly a matter of timing.

Can a Chapter 7 save your business?

Chapter 13 can be a great way to keep certain small businesses afloat, but how about Chapter 7? Can it ever be a simpler and cheaper way to do so?

How to stop using your credit card for holiday gift-giving

Especially if you’re thinking about filing bankruptcy, resist the urge to rack up a big credit card bill for Christmas and other holiday gifts.

Bankruptcy filing fees will increase Nov. 1, 2011

Anyone considering filing bankruptcy should be aware that court filing fees are increasing on Nov. 1, 2011.  While it is not a large fee increase for filing a Chapter 7 or a 13, it is notable for being the first increase in a long time.  A disclosure form containing general information about the different chapters [...]

Slight median income changes coming Nov. 1

It will be just a little bit easier or a little bit harder to qualify to file a Chapter 7 “straight bankruptcy” as of November 1, 2011.