I just got a recent call from a woman who has been a client for approximately 9 months. She was set up on a payment plan, however has not made a payment in over five months. It turns out that one of the creditors has obtained a judgment and has now served her employer with+ Read More

If you’ve got a debt from years ago, don’t make the mistake of prolonging the negative impact is has on your credit history.
Old debts can plague your credit for years, dragging down your score long after the date you went into default.

Gubernatorial candidate Nathan Deal is reeling after a U.S. bankruptcy judge ordered the reopening of a 2009 bankruptcy filing by Deal’s daughter Carrie Deal Wilder and his son-in-law Clint Wilder. A U.S. bankruptcy trustee sought to reopen the Wilders’ case after it was revealed that Clint Wilder was not eligible for a discharge of his... Read more »

One of the things most people want to know when considering bankruptcy is how soon after filing bankruptcy can they obtain credit. The answer to this will vary from case to case but there is a relatively simple formula to follow. After your case is filed, you can apply immediately for a secured credit card.+ Read More

"Post hoc ergo propter hoc" - Latin for "after this, therefore because of this."  This episode from West Wing assumes that at least one of the 27 lawyers in the room would know what it means.  Even Sheldon in Bing Bang understands this logical fallacy and so does Spock. 
Logical Fallacy 

"Post hoc ergo propter hoc" - Latin for the fallacy of reasoning of "after this, therefore because of this."  President Bartlet in this episode from 

"Post hoc ergo propter hoc" - Latin for the fallacy of reasoning of "after this, therefore because of this."  President Bartlet in this episode from 

"Post hoc ergo propter hoc" - Latin for the fallacy of reasoning of "after this, therefore because of this."  President Bartlet in this episode from West Wing challenged the 27 lawyers in the room that at lease one of them should know the m

When the bankruptcy laws were changed on October 17, 2005, there was an effort to curb abusive filings. To do so, a means test was authored utilizing IRS standards for acceptable expenses. In addition to the means test, there were requirements such as having completed a credit counseling session before a case can be filed+ Read More

Dismissing and Re-filing a Chapter 13 There are certain circumstances where you may want to dismiss your chapter 13 case and refile. You do have the ability to do this. There are certain circumstances where you may have to wait six months to refile. This would be the case where you want to dismiss the+ Read More