– Immediate stay on the service of all issued executions on evictions and ejectments through September 1, 2020. – All Judgments of Strict Foreclosure entered in matters with law days prior to September 9, 2020 are opened by the Court for the sole purpose of extending the Law Day in those matters to September 9,...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

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

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

Upon filing for Bankruptcy an “Automatic Stay” goes into effect immediately and stops creditors from all collection activity. That means, the moment a Bankruptcy is filed, it automaticall or texty stops: All Harassment Utility Shut-Offs Foreclosures Evictions Repossessions Wage Garnishments Tax Levies Bankruptcy will give you the time to breathe and regroup.  If you are facing these,...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