This is the case of Monique White who comes to me from Chicago, Illinois seeking debt relief.  This white did a Chapter 7 back in 2012 but the case was dismissed so she never received a discharge.  She owns no real estate, she’s not a homeowner and she is currently living in a monthly rental situation on a property that is currently in foreclosure.  She has a 2006 Chevy HHR which is financed by Black Hawk Financial.  She is up to date on that payment and she wants to remain current on it.

This is the case of Tamika Davis who hails from Chicago, Illinois.  She is into talk about debt relief either a Chapter 7 or a Chapter 13 bankruptcy preferably.  She has never filed a bankruptcy case before.  She is not a homeowner.  She does have a landlord and she is on a month to month lease.  She has a Buick that she co-owns with her boyfriend but she is not really sure if she’s on the title so she’s going to get back to me with that information.

This is the case of Felicia Meachum who comes to us from Oak Park, Illinois for a bankruptcy consultation.  Felicia has never filed for bankruptcy before.  She is not a homeowner and she is currently renting from Fox Partners LLC.  She has a 2006 Pontiac G6 financed by B-Rider and she owes approximately $14,000 on the vehicle and it’s worth $15,000 so she has a little bit of equity in the vehicle.  The monthly payment is $360 per month and she is current.

Those filing personal bankruptcy in California in 2013 can now protect a little more of their assets in a Chapt

Jordan E. Bublick, Miami and Palm Beach, Florida, Attorney at Law, Practice Limited to Bankruptcy Law, Member of the Florida Bar since 1983

When I mention to clients that they will be required to appear at a 341 First Meeting of Creditors after we file their bankruptcy, most of them cringe and become nervous immediately. They imagine a Meeting where they are interrogated and questioned about every aspect of their case.  In El Paso, the these meetings are nothing to be nervous about.

In a few weeks taxpayers will begin filing their 2012 tax returns, and for those taxpayers who are also filing bankruptcy at the same time a large number of them will forfeit the refund to the Chapter 7 Trustee. For nearly 20 years I have witnessed the Chapter 7 Trustee seize tax refunds from unsuspecting debtors. This happens every year, over and over again. The sad part is, this should almost never happen.

In my latest Bankruptcy Law Network post, I talk about a Chapter 13 debtor’s obligations after his case is filed.  In this video I talk more specifically about a Chapter 13 filer’s obligation to make his on-going mortgage payments, on time, as they come due after filing.

In April 2005, Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act, or “BAPCPA” as we bankruptcy attorneys call it.

A very hot topic in South is the "short sale". This usually involves a sale to another person with your mortgage company agreeing to satisfy its mortgage with a payment of less than the full amount due. A variation on the short sale is the "short refinance." In a short refinance, a person tries to refinance his mortgage with a new mortgage for less than the full amount owed on his existing mortgage with the existing mortgage company agreeing to take less than a full payoff.