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


With the New Year and the recent credit card unpleasantness at Target during the holiday shopping season, it is a good time to take a look at identity theft. When was the last time you assessed your identity protection shield? You never know when a criminal is lurking around the corner, either in person or […]

Finding a place to live is stressful enough as it is, but if you have filed for bankruptcy and you are trying to rent an apartment or house, the experience can be even more so. Bankruptcy can make it tougher to rent a home, but doing so is not impossible. There are several things you […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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