Note: This is not legal advice, but instead practical information that applies to the majority of cases. Please do not rely upon this information without a consultation with a qualified attorney. Prepared By Chris Rampley, Attorney at Law

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February 12, 2018

Waiting periods: Bankruptcy and foreclosure don't end your mortgage chances

The Great Recession took its toll on many households -- contributing to home foreclosures, bankruptcies and other financial disasters. Ten years after the start of the mortgage crisis, we're loo...

February 9, 2018

Most people who are considering bankruptcy feel embarrassed, but one way to think about it differently is to consider the businesses who file bankruptcy.  Businesses are not embarrassed when they file for bankruptcy, so why should people have to feel that way?

Businesse...

September 17, 2017

There are many reasons why Bankruptcy is usually the best way to handle out of control debts, especially when compared to debt settlement.

January 10, 2017

THREE COMMON ISSUES INVOLVING

RELATIVES AND BANKRUPTCY

SHOULD I PAY MY RELATIVE BACK FOR A LOAN BEFORE I FILE BANKRUPTCY

NO!!!

Example: Every year, 2-3 of our clients repay loans to a relative in the 12 months before needing to file Chapter 7 or Chapter 13 bankruptcy.

The...

January 5, 2017

Sometimes Yes, Sometimes No!

The Bottom Line?  ALWAYS file your taxes on time, even if you can not afford to pay!

We all know that "Nothing is certain but death and taxes", but the fact is that back income taxes may not stay around as long as death.  Let's look at when b...

November 17, 2016

How soon after Bankruptcy can take out new credit? Chapter 7 – As soon as you want to, but most creditors will not lend to you until the case is over. Chapter 13 – You cannot take out credit while the case is open unless we get court permission

November 15, 2016

Many of the basic concepts of our modern day Bankruptcy Code can be traced back to biblical times. Specifically, the concept of a discharge of indebtedness is directly traceable to both the Old Testament and the New Testament.

The Old Testament, in Deuteronomy, contain...

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