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Our 3 Step Process

Step 1:
Get Out Of Debt

Step 2:
Clean Up Your Credit

Step 3:
Build Your Score


Bankruptcy and Employment

When considering filing for bankruptcy there are a number of things to consider.  One common question is how bankruptcy will affect finding new employment or government employment or security clearances.  The answer depends on a number of circumstances.  Some employers may be interested in whether you have filed for bankruptcy as a measure of financial […]
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Is a Debtor Required to Forfeit Property in a Bankruptcy?

Is a Debtor Required to Forfeit Property in a Bankruptcy? When someone is considering filing bankruptcy, there are a lot of questions and concerns they may have.  They may be worried about having to forfeit property and may think they will have to surrender their property, such as vehicles, houses, pension, household goods, etc. There […]
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Bankruptcy Might Immediately Improve Your Credit

Many people fear that they will never again have good credit if they have to file for bankruptcy. While having a bankruptcy in your past has a very negative impact on your credit score, the overall results of discharging your other debts may actually increase your credit score despite the bankruptcy and position you toward […]
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Can I Keep My Tax Refund in a Chapter 7?

Starting in September of each year, when clients come in asking about bankruptcy one of the questions we ask is whether the prospective client expects to receive a tax refund for the upcoming tax year. If the answer is yes, we ask how much. For a Chapter 7 for example, if someone comes in and […]
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Can I Keep My Refund in a Chapter 13?

Tax refunds in a Chapter 13 are handle somewhat different than in a Chapter 7. We know, in a Chapter 7, as long as you received and spend your refund before filing, or are able to exempt your refund, then the trustee does not take it. In a Chapter 13 if you have already received […]
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Can a Married Person File Bankruptcy Without Their Spouse

A married person can file bankruptcy without their spouse.  If a person files bankruptcy individually, it will not negatively affect their spouse or their spouse’s credit.  However, if there are joint debts, the filing spouse’s liability for the debt will be eliminated, but the non-filing spouse can still be held liable for the debt and […]
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Listing Creditors in a Bankruptcy Petition

If you are considering filing for bankruptcy you probably have a number of questions about what creditors must be listed and what payments you can make in the months leading up to bankruptcy.  Clients may have a number of reasons for wanting to exclude creditors, including wanting to keep and ongoing business or personal relationship […]
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