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

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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 […]

You divorced your spouse in an effort to break the ties that bound you together, emotionally, legally, and financially. Unfortunately, for most couples, it is impossible to completely severe these ties once they are created. As strong as your desire to move forward and begin a new life, there will be certain things that could […]

Serious money struggles can introduce you to a whole world of new terms and concepts. It is one of the reasons why bankruptcy is such an intimidating experience – you understand the basics, but when you are immersed in the process suddenly it is as if everyone around you knows what they are talking about […]

Financial problems are some of the most stressful a person can face. If you find yourself in a tough predicament, it is possible to offer a payoff settlement to creditors. This means you offer to repay less to the lender than the total amount owed on a debt and to make that payment in one […]

By law, your bankruptcy application must be correction and complete, and if you omit information, even by mistake, it can lead to your request being denied. Not only might you ruin your chances for a successful bankruptcy, you could find yourself in serious legal trouble. Despite the dire warnings, there are instances in which information […]

Student loans are one of the most common types of debt for Americans and are often the reason people get into financial difficulty. If your student loans and other debts have left you considering bankruptcy, there are a few things you should know. There is a chance declaring bankruptcy will only take care of some […]

Filing for bankruptcy can be a frightening experience, especially if you are concerned it could change your day-to-day living. Though there are many things you will need to give up, at least temporarily, and many things that might change once you file for bankruptcy, these changes are worth it for many. Bankruptcy allows for a […]

Bankruptcy can be one of the most effective tools available to help you get back on track in the New Year, but it is still a big decision. It is not the right option for everyone, but there are many who will turn their financial lives around by filing this year. If you are one […]

We’ve all been there – we swear we are not going to spend another dime holiday shopping and suddenly a sale pops up that is too tempting to resist. Disregarding our current financial difficulties, you put the item in your cart, whipping out the credit card or clicking the “buy” button impulsively. There is something […]

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