If you are over the age of 62 and planning on staying in your own home, a Reverse Mortgage may be for you, and you will want to read this eNewsletter very carefully because recently the Reverse Mortgage Laws have changed. Due to those changes, I sat down with an experienced Reverse Mortgage Consultant to...Read More

Attorney Jay Ruane became a lawyer in October 1998. Since then, he has quickly become one of the Northeast’s most recognized DUI Defense attorneys. Jay Ruane also started his career as a public defender. There, he worked with a complicated docket of 100’s of pending DUI cases. As he developed his skills as a public defender, he realized that...Read More

Bankruptcy filings fell 0.3 percent for the 12-month period ending June 30, 2019, according to statistics released by the Administrative Office of the U.S. Courts. Annual bankruptcy filings totaled 773,361, compared with 775,578 cases in the year ending June 2018. Business filings rose by 1.1 percent, just the third time since 2010 that business bankruptcies...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

The next step in your Chapter 13 Bankruptcy Process will be to attend your Chapter 13 Bankruptcy Plan Confirmation Hearing.  Do not be alarmed!  You will likely not have to testify at this Hearing at all.  But I will explain below the process leading up to and including your Conformation Hearing, so you can have...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

In this blog we will explore a very important step in your Chapter 13 Bankruptcy process: Your Chapter 13 Bankruptcy Petition Signing and Filing. Once you have met with me for your free initial consultation, retained me to file your Chapter 13 Bankruptcy Petition and delivered to me all of the required documents, I will...Read More

After your initial consultation, I will analyze your financial circumstances and perform your Means Test. A Means Test is an assessment used to determine if you qualify to file a Chapter 7 Bankruptcy. Before 2005 it was easy to file for bankruptcy; virtually anyone could do so. In 2005 Congress enacted the Bankruptcy Abuse Prevention...Read More