Here’s what we need for our Be Happy meeting
Our Be Happy meeting reviews information the bankruptcy court needs to approve your case. So you can “be happy.”

 Inc. is reporting that business bankruptcy filings increased by 30%. The article can be found at https://www.inc.com/melissa-angell/small-business-bankruptcies-surged-30-percent-this-past-year-will-tariffs-accelerate-that/91221717

Don’t sit on your Bankruptcy Eligiblity: It’s a moving target
In January, Larry came to talk to me about Chapter 7 bankruptcy eligiblity. He had a car repossession and about $25,000 in charged off credit cards. He was planning to get married and hoped to buy a house in a few years. His fiancé warned him they could never buy a house if he didn’t fix his credit.
Great, I promised, we can do a Chapter 7 bankruptcy to do exactly what you want.

Discharge in Chapter 13 is an Uphill Climb
For most people, most of the time, getting a discharge is the goal of a bankruptcy case. The Supreme Court put it this way.  “The principal purpose of the Bankruptcy Code is to grant a ‘fresh start’  to the ‘honest but unfortunate debtor.’ ” The discharge means the debts are gone.
About half Chapter 13 cases end up dismissed

What’s the Best Way to Try to Settle a Warrant in Debt?
Do you want to avoid garnishment (and avoid bankruptcy) by negotiating your warrant in debt?  I get asked about that a lot. So here’s my best advice.
Go to court and Ask for a Trial
It doesn’t hurt to offer to settle before the court date, but low ball them. They will think you are scared to go to court, so they have no reason to make a good offer.