As of now, medical debt can still be reported on credit reports and lenders can consider this information when making lending decisions. Debtors under $500.00 will not be reported and debts cannot be reported until a hear has passed after the first collection notice is sent. Contrary to what some people believe, medical debt can  … Read More

There are plenty of websites that say they will help you determine if you qualify for bankruptcy. What they mean is, do you pass or fail the means test. The means test is a backward looking test of your income and will help determine if you have money to pay your creditors. Beware of these  … Read More

If your monthly expenses are greater than your monthly income, and what you own is limited in value , Chapter 7 bankruptcy will allow you to discharge your debt and get a fresh start. If you are married and only you have debts, your spouse does not need to file with you.

In Chapter 13 bankruptcy you can keep your car and your home. If you are behind in the loan, you may catch up with any missed payments and continue making regular payments. We will prepare a detailed plan to restructure your debts. We can stop lawsuits and foreclosures in Chapter 13 bankruptcy.

If you have been overpaid by Social Security after March 27, 2025 you will be placed in full recovery at a rate of 100 percent of the Social Security payment. This is a change from the previous policy that only withheld 10%. This does not apply to SSI. Bankruptcy can typically discharge a Social Security  … Read More