Labor Day 2019 On September 2, 2019, the U.S. Department of Labor celebrates and honors the greatest worker in the world – the American worker. Labor Day 2019 is the 125th anniversary of Labor Day being celebrated as a national holiday. Labor Day: What it Means Labor Day, the first Monday in September, is a...Read More

No.  Not that F Word. The word I am talking about is Forgiveness. In particular, Debt Forgiveness. This can be achieved through Bankruptcy or Bankruptcy Alternatives. I talk a lot about Bankruptcy, but it’s not for everyone. So, what are the alternatives? Here are the top three: Repayment with Workouts (aka Debt Negotiation) Debt Management with Strict...Read More

Guest Post: Budget Is Not A Four Letter Word by Jeremy Edmonds of Strength In Numbers Ewww.  That word just stirs up images of restriction, control, and a lack of any fun at all.  Contrary to popular belief budget is not a four letter word.  That four letter word I mean? DIET.  Now diet itself...Read More

The Servicemembers’ Civil Relief Act applies in bankruptcy cases. It provides protection to members of the military against the entry of default judgments and gives the court the ability to stay proceedings against military debtors. Background The Servicemembers’ Civil Relief Act (“SCRA”) is found at 50 U.S.C. app. §§ 501 et seq. The purpose of...Read More

With vacation season in full swing, it’s easier than ever to lose track of a wallet in a winding airport security line, or on a crowded, sunbaked beach. Rather than spiraling into a panic about your wallet taking a vacation of its own, here are some steps to take right away. Report the loss immediately....Read More

Whenever someone comes to see me about issues with their mortgage, the first question I ask is always: “Do you want to keep your home?”  And I always expect a very long answer because there are a lot of considerations when making that decision.  Factors include but are not limited to: Can I really afford it?...Read More

You have come a very long way, and I want to be the first person to CONGRATULATE you on completing all of your Chapter 13 Bankruptcy Plan Payments, and successfully receiving a Chapter 13 Bankruptcy Discharge!  I understand what an incredible accomplishment this is and admire your determination to clean up your debt and get...Read More

Congratulations, you have successfully completed your Chapter 13 Bankruptcy case and received your Discharge!  But…just what is a Discharge anyway!?!   The most frequently asked question I get from my clients is “WHAT IS A DISCHARGE?” So, in this Chapter 13 Series Blog installment I am going to fully explain what a Chapter 13 Bankruptcy...Read More

The last action you must take in your Chapter 13 Bankruptcy Process will be taking the Debtor Personal Financial Management Education Course.  This is actually fun and will be your first step on the road to a healthy financial life! In order to receive your Discharge you must complete an “instructional course concerning personal financial...Read More

In my last blog entry of this Chapter 13 Series I explained who the Chapter 13 Trustee is and what role she plays in your Chapter 13 Bankruptcy Case.  In this blog I am going to stay with that topic, and add some information on just what to expect at a typical Section 341 Meeting...Read More