When is FREE not FREE? In a world seemingly driven in all matters by credit reports, getting that report for nothing ought to be a good thing, But the commercial entities beat the federal government to the web address freecreditreport.com. And they also got a better ad agency that wrote catchy tunes promoting their product, […]
How To Wipe Out Tax Penalties In Bankruptcy
Tax penalties seem like a further insult when you’re having trouble paying the tax itself. Everything seems subject to an additional penalty: failure to file timely; failure to pre pay sufficiently; failure to be accurate. They mount up quickly, often equaling the unpaid tax. Bankruptcy can not only eliminate your liability for certain taxes, it […]
10 Top Tricks Of The Lending Industry
The tricks lenders use to sell you a bad loan are limited only by the imagination of the lender. And they’re all conceived with one end in mind — big profits, not helping you. And, unlike Pinocchio’s ever-growing nose, the consumer doesn’t see any tell-tale signs that warn of deception at work when credit’s being […]
Free Bankruptcy Advice: 5 Reasons Why I’m Not Free
There’s no free bankruptcy advice in my office. Unlike many, we charge for that initial meeting with a lawyer. (There’s no free lunch either.) That makes us different from lots of other bankruptcy lawyers. Different enough to offend a prospective client who called up this week. He was unwilling to pay for a consultation, and stormed […]
Unfiled Tax Returns Are A Life Sentence
Unfiled tax returns upset all the normal rules about discharging taxes in bankruptcy. This story tells you why. Two clients, each with $200,000 in tax debt, came to my office this week. One can escape it all now; the other is facing several years before bankruptcy will do anything for him. What’s the difference? Filed […]
Three Barriers To Getting Out Of Debt
Three emotions, not reasons, keep people from filing bankruptcy and getting out of debt. While not as sexy as the seven deadly sins, these emotions still keep my clients mired in debt long after logic says “quit”. Fear Stubbornness Pride These emotions keep people mired where they are. They block the road forward. Fear Fear of […]
Is Bankruptcy In Your Future?
Tough economic times make us think about escape by filing bankruptcy. Bankruptcy offers a straight forward, predictable and immediate solution. But to get full measure of bankruptcy relief, you need to know which problems bankruptcy solves and when the time is best to file. Which problems bankruptcy solves Bankruptcy deals with debt, with the outflow […]
Cutting The Car Loan Down To Size
Bankruptcy can strip down what you’re paying on your car loan to just the bare essentials, saving you bundles. Consider my client whose car loan balance was grossly inflated to the point that she owed twice the value of her car, bought just a year ago. Before bankruptcy “reform”, she could have stripped the loan […]
Better To Live With Debts Than File Bankruptcy?
Locked up in debt? What are the consequences of bankruptcy? Or, is it better to live with your debt and keep making minimum payments? Does life get better or worse if you file bankruptcy? That question sums up most people’s fears about shedding their debt through bankruptcy. What will life be like, after bankruptcy? Good questions. […]
When Debt Collectors Won’t Stop, Despite Bankruptcy
Get a collection notice after you’ve filed bankruptcy and after you’ve gotten a discharge, and it’s easy to be distressed. You’ve taken the hard step to get a fresh start, and it appears not to have worked. It’s easy to assume that the collector has a right to its money. Easy, too, to assume your […]
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