“Now I can’t even rent an apartment”
Chuck, not his real name, talked to me last month about filing bankruptcy. He’d been trying to “resolve” his debts through one of the newer debt settlement outfits, Five Lakes.  

Chapter 7 income eligibility got slightly easier April 1, 2025
People making less than the median income have income eligibility to file Chapter 7 bankruptcy. Those numbers adjusted up, April 1, 2025.  For Virginia, eligibility is automatic for singles under $77,420, family of 4 under $145,585.
What if I’m over the median income? You can still pass the “means test.”

How To Join A Meeting On Zoom? | Quick Start Guide
The bankruptcy trustee hearings are on Zoom. If you are not a regular Zoom user, this page shows you what to do. For the instructions on how to join a meeting with Zoom, just click on the link above.  Or click on the picture.

How To Join A Meeting On Zoom? | Quick And Easy Guide

When a favor turns into a financial burden, what happens next?
Co-signing a loan might be doing someone a big favor by helping them get a car, a credit card, or even their first home. But what happens if they can’t keep up with the payments? You could end up responsible for the debt, turning that favor into a financial burden. If bankruptcy is involved, a co-signed debt bankruptcy Medford attorney can help you understand your rights and explore ways to protect yourself.

Callie Glade, File Clerk
Callie Glade is the newest member of our team, She just started with us in January 2025.
Callie is a virtual assistant, an AI. She takes over one of the most important jobs in any law firm. She’s our file clerk. When you send in the required papers, she puts them in your file, where Vanessa and I can see them at any time. Callie comes to us through an artificial intelligence program called Glade.AI. She’ll keep in touch with you to make sure we have the papers we need to have to do what we are planning to do.

The National Law Review reports that the Subchapter V debt limit will increase to $3,424,000 on April 1, 2025.