With the 4th of July upon us, you are probably hoping to celebrate with a few friends and family. However, if you are on a tight budget, you might not have the money to go all-out on a party. Regardless, there are plenty of inexpensive ways that you can host or attend a great socially...Read More

My name is Theresa, and I think it is vitally important that my clients and colleagues know who I am and what I have been through on my own financial journey… During my college and law school years I was affected by medical issues and did not have insurance.  I took student loans to pay for school...Read More

Let’s do some “Mortgage Forbearance Math.” Mom and Dad have a mortgage. It’s currently $1,000.00 per month. Dad gets laid off, call or texts the Servicer, and asks for a Forbearance. In one phone call or text, he gets 6 months “off” from paying. Seven months later, Dad is finally back to work, and hasn’t...Read More

Today is “National Roof Over Your Head Day” 🏠 If you are struggling to pay your mortgage and find yourself in foreclosure, please reach out to me before your Law Day/Auction Date so I can help you save your home. Bankruptcy is not the only choice. There are other options. Explore them with me. Sincerely,...Read More

If you know me, you know that I deeply love Summer, but by the time it draws to an end and the leaves start changing colors, I do get excited for Autumn. For me, Fall means raking leaves (and jumping in them!), sipping hot apple cider by a fire pit and, of course, all things...Read More

On February 19, 2020, the Small Business Reorganization Act of 2019, P.L. 116-54 (SBRA) will go into effect – long before the normal three-year rules amendment process runs its course. As a temporary measure, the Advisory Committee on Bankruptcy Rules has drafted interim bankruptcy rules and amendments to the official bankruptcy forms to address the...Read More

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

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

When it comes to debt there are two main types, secured and unsecured. In Chapter 7 and Chapter 13 bankruptcy knowing the difference between both is very important so you can implement a proper plan. Even if you aren’t filing bankruptcy it is still good to know what the differences are between the debts. First,...Read More