ngajewski's blog

Now that Thanksgiving and Black Friday are behind us, the Holiday shopping season is in full swing.  Many of you likely made purchases using credit cards or other credit accounts to make gift purchases.  If you’re already in a tight financial situation, keep in mind that the Bankruptcy Code has provisions built in that prevent a person from discharging

Everybody knows that if you don’t make your car payment, the finance company can repossess your car.  I’m often asked by clients if the finance company has the right to repossess other vehicles or things they own.  In this blog I’ll lay out exactly what gives a creditor the right to repossess items and how a bankruptcy case stops them from doi

A Chapter 13 bankruptcy (also known as a Debt Consolidation) will bundle together all of a person’s debts so that the person filing makes only one payment per month to the Court.  From there, the Court handles paying each of your creditors what they are suppose

For a large portion of people in America, a home is the most valuable asset they own.  It’s only natural, therefore, that one of the main concerns of potential clients is how the Bankruptcy Court deals with mortgage debts.

Now that the new school year has started, parents everywhere are looking at their bank accounts and wondering when school got so expensive.  Between new clothes for the kids, fees for class trips, and the cost of new school supplies, its normal for budgets to be stretched in the Fall.

Bankruptcy and insurance may seem to be unrelated topics at first glance, but insurance issues are common in many bankruptcy cases.  Not only is the Court involved if you’re going to be receiving insurance proceeds, but failure to keep insurance on your home or vehicle can actually result in the Court removing the bankruptcy protection from th

If you are just starting to consider filing a bankruptcy case, you’re probably wondering where to start.  You’re asking yourself “What information and documents will I need to provide to my lawyer or to the court?”  This blog post will lay out the basics you need to get started.

As an attorney who meets with clients in difficult financial situations every day, I can say with certainty that there is still a stigma associated with filing bankruptcy.  However, if you stop and think about it, I think you’ll realize that bankruptcy is a part of what makes America great.

If you’ve just received a discharge in a bankruptcy case, then congratulations!  You’ve just completed a difficult process and you’re ready to move on with your life and rebuild your credit.  There are a few steps you can take to make the rebuilding process easier.

Leases fall into a separate category of debts when it comes to filing bankruptcy.  The majority of debts are classified as either secured or unsecured.  Secured debts are those for which the creditor has a lien on some property or collateral of yo