When you are struggling with your bills and in need of a bankruptcy attorney, where do you turn first?  For most people, they will search the internet to gather information.  There is a wealth of information available regarding the different Chapters under the bankruptcy code as well as a plethora of attorneys ready, willing and+ Read MoreThe post Choosing The Right Bank

Bank of America wouldn’t fix Ed and Ann’s credit reports after bankruptcy.
Our disputes were ignored, so we sued.  The judgment was ignored, so we’re garnishing.
Here’s the whole story.

The Goal of Credit Card Lawsuits is to Strengthen the Lender’s Collection Position Credit card debt, unlike mortgage debt, is unsecured debt. This means your credit card company can’t come immediately take your stuff when you don’t pay.

This is the case of Warren and Shirley Becker from Aurora, Illinois who are seeking advice concerning debt relief.  The Beckers do own a single family home worth approximately $80,000.  They have a first and a second mortgage on the property.  The first mortgage with CitiMortgage is approximately $125,000 to pay it off and they [...]The post Aurora Bankruptcy Lawyer Advises Filing Chapter 7 For Warren And Shi

In Utah, the annual income tax refund is the most liquidated (taken) asset by bankruptcy trustees.  Why?  Because it is easy pickin's.  Often, the only way to avoid losing the tax refund money to the bankruptcy trustee is to make sure you receive it and spend it (appropriately) prior to filing the bankruptcy.  However, many I meet with are happy to be able to contribute something toward their debts, and/or don't want to delay their bankruptcy filing, so they choose to surrender either part or all of the refund money.  But, losing the money isn't the only consequence of having the trustee go

It is certainly possible, and sometimes advisable, to file bankruptcy without one's spouse.  Many couples in this scenario want to know how the non-filing spouse will be affected by the bankruptcy, particularly as it pertains to the tax refund, which in Utah ends up being the most commonly liquidated asset in a chapter 7 bankruptcy.  Normally, the bankruptcy trustee will consider the tax refund to be a joint asset, being owned equally by each spouse.  Sometimes a trustee will prorate the refund based on W2 forms, meaning the higher earning spouse may have a larger ownership share of the tax

It is not uncommon for someone to ask me if they can file a chapter 7 bankruptcy despite having filed a chapter 13 previously.  There are a few scenarios where this is applicable:

This is the case of Daniel Davis who hails from Chicago, Illinois who is interested in Chapter 7 fresh start.  Mr.

This is the case of David Singer from Zion, Illinois which is located in Lake County, Illinois.  Mr. Singer has never filed a bankruptcy before.  He is not a homeowner.  He is living with family and friends.  He owns no vehicle.  He owns very little in the way of personal property.  He has a checking account and a savings account at Chase totaling $1000.  He has minor household goods worth approximately $400 and minor clothing worth approximately $200.  He is single with no dependent children and he is currently unemployed.

This is the case of Elizabeth Sanford who comes from Berwyn, Illinois which is located in Cook County, Illinois.  Elizabeth Sanford has never filed for bankruptcy before, either a Chapter 7 or Chapter 13.  She owns no real estate.  She is currently renting and she is in a yearly lease which expires in March.  She owns a 2007 Mercury Montego which she wishes to surrender.  The finance company is Capital One.  It’s got 150,000 miles on the vehicle and she owes $13,000 on it.  Even though she is current, she wants to surrender and get out of that debt.  She also has a Pontiac through Regional