Our 3 Step Process

Step 1:
Get Out Of Debt

Step 2:
Clean Up Your Credit

Step 3:
Build Your Score

Can I File Bankruptcy Without an Attorney?

Can I File Bankruptcy Without an Attorney?

Why Can’t I File a Bankruptcy on My Own Without an Attorney? Surprisingly, many clients come in or do not come in for that matter because they believe that they do not need to pay for an attorney to prepare paperwork for them. Many people believe that they are filing bankruptcy because they have no […]

Payday Loans and Avoiding Them!!!!

Payday Loans and Avoiding Them!!!! Online Payday Loans Regulators both state and federal are cracking down on internet lending. The first step is The Justice Department asking banks to ends all ties with banks that the regulators suspect of suspicious practices. Regulators have gone as far as issuing subpoenas to banks and other companies who […]

Redemption

Someone told me that I can file a Chapter 7 and get a new car loan for the value of my car instead of paying back my current loan balance There is a program known as redemption. Redemption is a great option for a lot a people after a bankruptcy. A usual situation is that […]

Garnishments and Bank Levies

Garnishments and Bank Levies Garnishments and bank levies are often times one of the pushing forces making people to finally take the plunge file bankruptcy. You may have considered bankruptcy in the past. Maybe you have even met with bankruptcy attorneys. Some people have even retained a bankruptcy attorney and possibly already begun working on […]

Can I leave some creditors off of my bankruptcy?

Can I leave some creditors off of my bankruptcy? No. Any creditor whom you owe a balance to must be listed on the petition. Does this mean you should go pay off all the credit cards that you want to keep? No. Even with a $0.00 balance the credit card companies will likely close your […]

Steps to Take When Surrendering a Property Through Bankruptcy

You file bankruptcy and surrender your home through the bankruptcy. You do not have to worry about the house anymore right? Wrong! The bankruptcy takes care of your legal liability for the DEBT on the house. It does not remove your name from the deed of the property, meaning you are still the owner until […]

Preference Claims from the Creditors Point of View

Preference Claims from the Creditors Point of View Preference claims and how they are handled can come as a surprise to many creditors. You receive money for services or goods that you provided and then the customer files bankruptcy. That should have no effect on your right? Wrong. 11 USC §547 defines preferences and how […]

Preference Claims from the Debtors Point of View

Preference Claims from the Debtors Point of View How preference claims are handled is always a surprise to clients. Your daughter loans you $2000 and you pay her back with your tax refund right before you file bankruptcy. Good thing you paid her back right? Wrong. 11 USC §547 defines preferences and how they are […]