By Ryan C.

Mortgage companies and banks often put you on a “no communication” list after you file ban

Attorney’s fees are always a big issue for my clients, because money is tight and they are worried about how they can afford a bankruptcy attorney.  It is important you to understand how attorneys’ fees work in chapter 7 bankruptcy.

A Federal Trade Commission report released this month revealed that it received nearly 370,000 reports of identity theft in 2012, nearly 90,000 more than in 2011.

When you have a security clearance, financial problems are even more stressful because you worry about your security clearance.  For most people, bankruptcy seems like an obvious solution to financial trouble.  If you have a security clearance, you worry about whether the bankruptcy will affect your security clearance.  Here’ what you need to know about your security clearance and bankruptcy.

Legislation introduced in Congress,The Fair Access to Credit Scores Act of 2013, proposes to amend the Fair Credit Reporting Act. The bill calls for the inclusion of credit scores with the free credit report available to consumers every year. The two members of Congress who introduced the bill, Rep.

This is the time of year when families across both Oregon and Washington are eagerly awaiting tax refunds. It is also a time when many of these same families are considering seeking the protection of the Bankruptcy Court. Unfortunately these goals, keeping the refund and getting bankruptcy protection, are often at odds in the state of Oregon.

Can you reinstate the automatic stay?  No, but you can get the same protection through injunctive relief.  Some background will help make this clearer.
The automatic stay goes into effect when a bankruptcy is filed, and it prevents all actions to collect on a pre-petition debt.  There are only a few exceptions to the automatic stay, for example it doesn’t stop a criminal prosecution.  For the average client, the automatic stay puts a full stop to all creditor harassment.

Today a prospective client asked me whether or not her filing bankruptcy would negatively affect her spouse.  This is a common question.  A spouse's bankruptcy will not affect the non-filing spouse in terms of credit.  It will not have an adverse effect on the non-filing spouse's credit.  However, there is a possibility that assets that were once only his or hers, could now be considered as joint assets, so possibly there could be an effect as to assets.  Also, there are income limitations in bankruptcy, so the non-filing spouse's income does have be counted and accounted for in the spouse'

The Chapter 13 Discharge
The bankruptcy law regarding the scope of the chapter 13 discharge is complex and has recently undergone major changes. Therefore, debtors should consult competent legal counsel prior to filing regarding the scope of the chapter 13 discharge.