Heather Ellis Banks's blog

A common question that arises from clients is whether they can get their driver’s license back if it has been revoked after a car accident.  The topic of whether you can discharge debts related to a car accident bankruptcy has been previously discussed by Grant McNutt in his blog post from December 18, 2014.  He discussed that normally you

Before deciding if a debt can be discharged in a bankruptcy, it must be determined whether the debt is a type that can or cannot be discharged.  This sounds simple enough but when it comes to divorce and whether or not a debt is a domestic support obligation, it can be much more complicat

When you have a crisis in your life like financial problems, it can be very difficult to make the leap to seek help.  I have made a list of 5 considerations that are helpful when deciding how to choose an attorney to help you with your finances.

My blog is more of a heart-felt reflection about the struggles of owing medical bills rather than a scholarly review of a bankruptcy topic.  I personally know several people juggling huge amounts of me

During the retirement years, money can get tight if you are on a fixed income.  You may have bills to pay but not enough income to pay them.  If you are 62 years of age or older, you may qualify for a reverse mortgage.

When meeting with potential clients, I am often asked if that person has to tell their spouse they are filing bankruptcy.  The answer can be complicated.  Generally, it is not wise to keep a secret from your spouse especially about something as important as finances.  Rarel

The answer is no.  It is a loan.  Check advance companies are regulated under the Deferred Presentment Services Act.  Unfortunately, debtors often times become desperate for quick money and turn to check advances to make it to the next week.

Irony has a funny way of rearing its head. One of Kanye West’s most successful songs is called “Gold Digger”. The song details the lives of people that use other people just for their money.

Daily, I speak to individuals who have borrowed money from a loan company and pledged their household goods as collateral.  These loans are most often at very high interest rates and require that the borrower pledge nearly everything in their house including the kitchen sink.  Debtors often complain of

Chapter 13 bankruptcy is a debt consolidation bankruptcy where you reorganize your debt.  One of the primary benefits of a Chapter 13 bankruptcy, as opposed to a Chapter 7 bankruptcy, is that a Chapter 13 often allow