Persistence Pays off in Chapter 13 with Student Loans

There are many strategies on how to deal with Student Loans in Bankruptcy.  One of them is to try to file an Adversary Complaint to try to discharge the loans, based on the  “undue hardship” standard.  (the “Bruner” standard) Courts have had varying interpretations, and,
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How Bankruptcy Can Help with Overwhelming Medical Bills

One of the most common kinds of debt that I see when people consult with me is medical debt. Medical bills can quickly become overwhelming, especially when unexpected health issues arise. Even with insurance, the out-of-pocket costs can be substantial, leading many to seek relief
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The Risks of Delaying Bankruptcy: What Can You Lose?

Financial difficulties can be overwhelming, and the decision to file for bankruptcy is never an easy one. However, delaying this decision can often lead to more problems. This post aims to shed light on the potential issues that debtors may face if they postpone filing
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Should the Small Business or the Owner File for Bankruptcy?

This is a question that comes up frequently in my practice.  A person owns a closely-held business, with one or two owners, usually a Husband and Wife.  They call, explaining that the business cannot pay its suppliers, lenders, landlords, lines of credit.  They ask “Can
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The IDR Waiver: A Game-Changer for Student Loan Forgiveness

Lately, there have been very important developments in the world of Federal Student Loan Repayment Plans. This program was set to expire at the end of 2023, but it has been extended. The IDR Waiver, also known as the IDR Account Adjustment, is a significant
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