Small Business Start-Ups- High Risk/High Reward- We Can Help You![/caption] Over the years, I’ve seen many small business owners who used their hard-earned money, sweat, and time to try to build their small business or franchise. Risk v. Reward Opening a Franchised business, like any
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Bankruptcy is Your Personal Safety Net
In the 25 plus years that I have been counseling and advising people with debt, almost nobody has come into my office saying that they wanted to file bankruptcy, or that he or she was excited to file for bankruptcy protection. Bankruptcy is an extreme
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How Long Does a Chapter 7 Bankruptcy Case Last and How Does it Work?
This is a common question. If you have to file Chapter 7 Bankruptcy, you want the process completed quickly. The short answer is that from the filing of the case to discharge (completion and elimination of debts) is approximately 4 months. We will make it
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Small Business Loans=Shark Infested Waters
Small Business Owners-Watch out for the Sharks! Small Business owners have so many “hats” to wear. One expression is that the owner is “Chief, Cook and Bottle Washer”. So, with all of those roles, it’s difficult to manage everything. One of the hardest jobs is
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What happens to a Mortgage in a Chapter 7 Bankruptcy? Will I need to reaffirm that debt?
When you file for bankruptcy protection, you, as the Debtor, are required to list every debt you owe. That’s right, EVERY debt. Even if you want to keep paying the debt, the bankruptcy trustee, and the Bankruptcy Court, need to know which companies you owe.
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How to Be a Good Client for a Bankruptcy Case
As much as clients interview attorneys to be good for them, attorneys are looking for good clients. This is not to say that every client has to be “perfect”, rather, this is more of a guide for what to expect, and how to make the
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Debt Problems? Don’t let fear stop you!
Have No Fear! You’ve been working hard for 10, 20, 30 years. All you are trying to do is pay your bills, make your rent or mortgage payments, and have enough left to pay for food, utilities, and a bit of relaxation, and maybe save
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Will it Get Easier to Discharge Student Debt in Bankruptcy under Trump?
Just last week, the U.S. Department of Education published a memo in the Federal Register asking for public input on who is and is not trying to have Bankruptcy Courts eliminate their student loans in Chapter 7 Bankruptcy. If you’ve read anything about student loans
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Will the Federal Bankruptcy Courts be Open during Shutdown?
Bankruptcy Courts are Open-Act Fast! On Friday, January 19, 2018, Congress could not pass a budget, or a temporary resolution to allow the government to keep running. So, we are now in a “government shutdown”. This doesn’t mean that every federal government agency is stopping,
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Behind on Student Loans? Take Action Now!
You did it! You went to school and graduated! Or, you didn’t finish your degree. Regardless, you’ll have to deal with your student loans. In the ideal world, you got a job, and made all of the payments for your loans, and everything is good.
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