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It seems like you’re drowning in debt. Until now, if you’ve been a little short, you’ve just borrowed money to pay that last bill. Now you are nearing or exceeding your credit limits, and you can’t get the money to satisfy all of your creditors. Maybe you’ve received polite calls about when you intend to

Filing bankruptcy usually creates an automatic stay that pauses many collection actions. Depending on the timing and history of the case, the stay may temporarily stop an eviction or foreclosure. It does not erase a landlord’s or mortgage lender’s rights, and filing after certain events have already occurred may be too late.

Everyone is affected by this disease and by this economy, but it affects some people more than others. All people are not “equal” in the way life treats them, and luck isn’t equally distributed. If you have the prospect of drowning in debt, you may need help in choosing the best path forward. We’ve been

It can be a “red flag” to creditors when a debtor actively uses credit cards for purchases or cash advances shortly before filing bankruptcy. However, it is not true that all, or even most, recent charges are nondischargeable. Whether a particular charge can be discharged depends on the timing, amount, creditor, purpose, and surrounding facts.

We frequently receive calls from people who filed their bankruptcy case with another lawyer, and now want to change lawyers. Sometimes it’s because the first lawyer won’t return calls. Sometimes the client just doesn’t understand requirements and procedures. Sometimes they have received objections, and believe their case has been thrown out, or will be thrown