Bankruptcy Blog - Rockland Bankruptcy Attorney - Frank J. LaPerch, PC

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Though it is possible for certain debts to be discharged when you file for bankruptcy, there are also cases in which creditors are paid the money they are owed – or at least a portion of it. If you file for Chapter 13 bankruptcy, you will pay your creditors back through a repayment plan that […]

There are many reasons why people choose to file for bankruptcy, but most fall into one of a few categories. If you are considering filing, it can be comforting to know that others have been in your shoes. If you face any of the following situations and feel backed into a corner financially, you are […]

Many people feel embarrassed or ashamed when they file for bankruptcy. Despite it being a tool to help you get back on track financially, society has attached a negative stigma to bankruptcy that prevents many people from taking action. It’s a shame, too, because not only is bankruptcy useful for helping you get control of […]

There are plenty of people out there struggling to make ends meet financially. In many cases, they are living paycheck to paycheck or lacking the savings needed for an emergency or unexpected expense. Something as drastic as filing for bankruptcy might seem a ways away, but if their current situation continues, bankruptcy could one day […]

Securing a student loan might seem like a great idea to help you pay for college, but many graduates soon realize what seemed smart four or so years ago now leaves them strapped with a significant financial burden. If you feel as if your student loan debt is out of control and you are frightened […]

If you have not paid a debt it is possible the creditor will file a claim in court and obtain a judgment against you. What does this mean? A judgment is the result of a lawsuit. If a claim is filed against you regarding a debt and you do not file an answer within a […]

There are millions of people out there that have student loans and many are in the process of repaying these loans – a process that can take decades. And there are also those that are choosing to or not able to pay. The problem with debtors defaulting on student loans has become so widespread, lawmakers […]

If you are in debt and unable to make payments to your creditors, wage garnishment is a tool that can be used against you. Money is taken directly from your paycheck (wages) and given directly to the creditors without ever making it into your hands or your bank account. Though your creditors get paid, it […]

Bankruptcy is misunderstood by many as something they “declare” and move on from without debt. They know it damages their credit, but beyond that they do not understand that bankruptcy is a process. And because it is a process, there are things that should and should not be done in advance to prepare for filing […]

Filing for Chapter 13 bankruptcy is an intimidating experience, but it is one that can help you wipe your financial slate clean and get a fresh start. Do your best to put whatever trepidations you might have concerning bankruptcy aside and make an effort to fix the problems you currently face. This might be the […]

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