ewoods's blog

Are you losing sleep because you owe debts that you cannot pay? Do you worry so much about the debts you owe that you cannot enjoy your life or your family? Are you overwhelmed and feeling like there’s no way out?

It’s not uncommon for me to consult with a person who, while experiencing financial problems, has a personal injury claim as well. Maybe it’s an injury from an auto collision, an on-the-job injury, or injuries from the use of a defective product or drug.

Nobody likes getting telemarketing calls or other unwanted phone calls. They’re annoying and if you wanted to buy what a telemarketer is trying to sell you, you’d call them, right? Is there anything you can do about these pesky calls?

Income tax refund season is right around the corner. Many Americans have come to rely on their tax refunds to help out with the basic necessities of life such as clothing, utility services, and needed medications.

Frequently, when I am meeting with a prospective client, this question will be asked. Often, those prospective clients are worried about keeping a credit card for emergency use.

If you are having financial difficulties and you are thinking that it might be time to consider filing a bankruptcy case, then it might just be time for you to do so. Do not make the mistake of thinking that filing a bankruptcy case on your own (or even with an attorney not familiar with bankruptcy law) is the way you should go.

A common misconception held by some people is that you cannot include tax debts that you owe to the IRS in a Chapter 13 debt consolidation plan. Owing the IRS can be very scary and the IRS can make life difficult for you in their efforts to collect tax debts.

During my initial consultations with people facing financial problems, I get this question quite frequently. It’s usually accompanied by a rather anxious look on their face. Since going to court is a more or less normal thing for me, I have to remember that for my clients it is a source of worry and even dread.

In a recent post, I wrote about two of the main benefits a bankruptcy case can provide. One of those benefits was the “automatic stay” that provides protection from your creditors. Let’s take a closer look at the “automatic stay” and how it helps you.

Almost 239 years ago, our country declared its independence from Great Britain.  Thomas Jefferson drafted the Declaration of Independence setting forth the reasons for our separation from the British Empire.