It’s Already Three Months Since Your Bankruptcy Discharge
How are you doing? Did bankruptcy work out the way you expected? Are you in control of your life, now?
I claim that after bankruptcy you will sleep better, you’ll be happier, your credit score will go up. Has that turned out like I said? I’d like to hear from you.

How Quickly Does the Postal Service Deliver Your Chapter 13 payment?
When you are in Chapter 13, you need to make your monthly trustee payments on time–especially in the first four months of the case. So it doesn’t help that our Chapter 13 Trustee in Alexandria, Thomas Gorman, gets his payments at a bank in Memphis.

Chapter 7 Trustee Kevin McCarthy
Kevin McCarthy is one of the four Chapter 7 trustees in the Alexandria, Virginia, Bankruptcy court. When you file a bankruptcy case in Alexandria, the computer assigns you to one of the four trustees.

Shocking Results: Credit Scores Drop the First Year After Bankruptcy
 

 OFFER IN COMPROMISE (“OIC”) FOR  SBA EIDL LOANS UPDATEIs the SBA accepting OIC applications for SBA EIDL loans? If you search online, you'll find conflicting answers.

“Now I can’t even rent an apartment”
Chuck, not his real name, talked to me last month about filing bankruptcy. He’d been trying to “resolve” his debts through one of the newer debt settlement outfits, Five Lakes.  

Chapter 7 income eligibility got slightly easier April 1, 2025
People making less than the median income have income eligibility to file Chapter 7 bankruptcy. Those numbers adjusted up, April 1, 2025.  For Virginia, eligibility is automatic for singles under $77,420, family of 4 under $145,585.
What if I’m over the median income? You can still pass the “means test.”