After a house, most people are very concerned about keeping their automobile after filing for bankruptcy. Lets face it, without their car, people often cannot make it to work or get their children to school. In today’s mobile society, people...

This eye-opening and thorough history of modern America cities, Richard Rothstein lays out precisely how segregation in America was the direct result of laws and policy decisions of local, state and federal governments. As he states in the Preface,...

Ideally, before you file, you should start getting the following documents together. Your two last taxes, pay stubs for the last three months if you are working, copies of your bank statements for the past six months and if you own any property, like...

This is a question that comes up often. Sometimes, a lending institution will ask you to sign a document that says you promise not to file bankruptcy before they lend you money. Generally, these prohibitions on filing are not valid and therefore not...

The most important part in the bankruptcy petition process is preparing the Petition. This is where you tell the Court how much you owe, how much you have, how much you earn, etc Needless to say, you should be very complete and honest when you prepare...

I’m not sure why they call it a creditor’s meeting. The only ones that show up are the debtor, his or her attorney, and the trustee. While creditors have the right to show up, in the vast majority of Chapter 7 cases, they never show up....

Everyday, our office is inundated with basic questions about how bankruptcy law operates. These articles are written for both professionals who have little experience with Bankruptcy law and for consumers that contemplate filing bankruptcy. Another...

You cannot file a Petition in Bankruptcy Court without first taking a Credit Counseling Course. With a few exceptions, it MUST be taken. It costs approximately $35 to $50 to take and you can take it either on the phone or online. Shop around for the...

Just so you know, the steps outlined need not be done in the order specified. Here it can get technical, but lets not belabor the point. What you want to do is pass the Means Test. What is the Means Test? The Means Test is the way the Trustee...

What is the difference? The vast majority of filings are Chapter 7 filings. These are preferred by debtors because Chapter 7 cases generally result in the cancellation of your debt. The legal term is the discharge of your debt. In fact, the ultimate...