Bankruptcy Blog

Discussing Bankruptcy with Family and Friends

Deciding whether to file for bankruptcy and when to file is a tough decision for anyone. It is a very personal choice and the final determination is between you, your attorney, and if you are married, your spouse. There is really no reason why anyone in your personal life needs to know about your financial decisions, including your bankruptcy. That said there are people who will want to tell family...
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2244 Hits

Can I Get a Mortgage after Bankruptcy?

Many people assume bankruptcy puts an end to any hopes of a secure financial future. They think a declaration of bankruptcy means giving up financial freedom and sacrificing any hope a creditor will ever extend a loan, no matter how much time passes. Fortunately, this is not the case. Many people declare bankruptcy and go on to enjoy bright financial futures. As a matter of fact, their bankruptcy is the...
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2100 Hits

Can a Creditor Use Wage Garnishment to Recover a Debt?

When you owe creditors money and you fail to make those payments, they can request a wage garnishment, if they have already successfully sued you and obtained a judgment. This means a payment to the creditor is deducted from your paycheck by court order. Those already struggling with finances might find this to be the final straw. Bringing home less in your paycheck than what you have earned can drive...
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2315 Hits

Wage Garnishment and Bankruptcy

Wage garnishment is a leading reason a person reaches out to a bankruptcy attorney. When we are at the point where a typical unsecured Creditor, such as credit card, can garnish wages, it means a person has already been sued, lost or didn’t answer. At this point a creditor will obtain a judgment and then begin collection efforts. A creditor with a judgment can either try to seize your bank...
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2069 Hits

What should I bring to my Rockland bankruptcy lawyer consultation?

Contemplating bankruptcy can be a very stressful time. In order to obtain clear answers on your options and what to expect, an attorney will need certain information from you. So what is it that an attorney needs to know to advise you of your best bankruptcy or non-bankruptcy options? To answer that, we only need to boil down bankruptcy to its most basic principles, as follows: In order to determine...
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1727 Hits

How Important Is The Timing of your Bankruptcy

The average person files for bankruptcy in Rockland or Orange County New York when he or she has no other choice. After weeks or months of harassment from creditors and no other avenues available, they launch their filing. Unfortunately, this might be the worst time of all to file. When you are forced into bankruptcy you lose all control of the situation, which means your situation might be worse than...
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1857 Hits

Rockland Bankruptcy Lawyer- Keeping Up to Date With Bankruptcy Information

Bankruptcy laws frequently change, so even if there have been financial struggles in your past and you have even filed for bankruptcy before, your current situation might be governed by different laws. The federal bankruptcy laws received their most recent overhaul in 2005. It was at this time The Bankruptcy Abuse Prevention and Consumer Protection Act was instituted to prevent people from taking advantage of bankruptcy filings. There has been...
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2165 Hits

Six Important Questions You Should Ask a Bankruptcy Attorney

Are you drowning in debt and unsure what to do next? Are you overwhelmed with financial issues and fed up with creditor harassment? The time might be right to declare bankruptcy. People in financial straits are also at their most vulnerable and at a greater risk for making a wrong decision or entering into certain debt negotiation agreements that do not serve their best interests. What does this risk mean...
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1948 Hits

What You Need to Know about Bankruptcy Court

The idea of declaring bankruptcy and having to go to bankruptcy court might seem intimidating. It might even be enough to prevent someone from filing. Fortunately, bankruptcy court is a lot less frightening than many people assume. It is nothing like the courtroom scenes shown on television and your bankruptcy lawyer will be with you every step of the way. Meeting with Creditors The first and sometimes only appearance you...
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1983 Hits

Top Five Reasons People Choose Bankruptcy

Financial situations vary from person to person. People who have been responsible and fortunate their entire lives sometimes find themselves in a difficult position. Unexpected life events can drive anyone to bankruptcy, even if you never considered it an option. Despite the variety of circumstances that can trigger bankruptcy, there are certain things that appear more often than not in bankruptcy cases. In some cases, a single financial emergency drives...
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2001 Hits

What Can You Do to Stop Creditor Harassment?

Facing financial difficulty is stressful and receiving constant calls from creditors makes it more so. Once you file for bankruptcy, these harassing calls stop, but if you are only in the consideration stage and you have yet to officially file, the calls can be relentless. Though you cannot stop the calls completely without filing, you can expect creditors to follow certain legal regulations when contacting you. It is within their...
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2655 Hits

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