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Finding an experienced bankruptcy attorney with a good reputation can be difficult for people unfamiliar with the legal system. Bankruptcy law and practice is difficult and full of traps, so you want to make sure the attorney you choose is experienced. You also want an attorney who is committed to helping his or her clients […]

If you do not pay a debt when you are supposed to, the creditor can try to collect the debt in a number of ways. The creditor can: Report the debt to a credit bureau and damage your credit rating. Try to pressure you into paying the debt or turn the debt over to a […]

About 30 to 40 days after filing the bankruptcy petition, you will have to attend a hearing presided over by a bankruptcy trustee. This hearing is called the First Meeting of Creditors. The trustee is not a judge, but an individual appointed by the United States Trustee to oversee bankruptcy cases. At the First Meeting […]

Individuals may file a bankruptcy petition without an attorney. This is called appearing “pro-se.” However, the bankruptcy code is very complex and filing a bankruptcy petition requires a thorough knowledge of both the bankruptcy code and other Federal and State laws. In addition, bankruptcy practice differs from court to court. Experienced bankruptcy attorneys are familiar […]

Be aware for these commonly-used scams: 1. Sweepstakes “You’ve Won $25,000!” Or a boat, or a car, or something else “valuable.” So goes the pitch. But if you’re asked to pay before you get your prize, it’s a scam. Often these outfits claim the money is for shipping, taxes, or something like that. But legitimate […]

Under some circumstances you may be able to keep some credit cards if the creditor agrees. There are many factors which must be considered. Some of those include the credit card balance at the time of the bankruptcy, what the credit card company is willing to do and your ability to pay the present and […]