December 16, 2017

I’ll Just Ignore the Certified Letters

Some people think they can tie their creditors' hands by ignoring requests for payment or by contesting their debts with a credit bureau. They also call my office for help cleaning up their credit reports, which is not a service I offer. If you wish to dispute an entry to your credit report, I suggest you use this letter guide, provided courtesy of the Consumer Credit Counseling Service of … [Read more...]

Eliminate Credit Card and Medical Debts in Bankruptcy

Most of my bankruptcy clients have credit card and medical debts they wish to discharge.  It is rare that a personal bankruptcy filing does not include both. To understand the relationship between the two debts, Dēmos, a nonpartisan public policy research and advocacy organization, conducted the 2012 National Survey on Credit Card Debt of Low- and Middle-Income Households this February and … [Read more...]

I don’t want to file, but should I?

Some people are not good candidates for bankruptcy, including: Those with too many non-exempt assets; for them, we develop asset planning & protection strategies Those who cannot afford to file bankruptcy Those with no income or who have so few non-exempt assets that they are essentially “judgment proof” Those with finances so complicated by trusts and tax shelters … [Read more...]