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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

Common Questions about the Meeting of Creditors How to Prepare for Your Meeting of Creditors Simulated Chapter 13 Meeting of Creditors Simulated Chapter 7 Meeting of Creditors The “meeting of creditors” also known as a “341 meeting,” is a required step in the bankruptcy process. It is not a court hearing, and there is no  … Read More

The difference between a fixed APR and a variable APR, is that a fixed APR does not fluctuate with changes to an index. A variable-rate APR, or variable APR, changes with the index interest rate. A fixed-rate APR or fixed APR sets an APR that does not fluctuate with changes to an index. This does not mean that the  … Read More