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Two weeks until the big day….Christmas Day!  Although it is 70 degrees here in Alabama, the trees are lit and the fake snow is falling at the shopping malls.  No matter what aspect of the season you and your family celebrate, it is easy to get caught up in the spirit of the season.

When you file Bankruptcy, you stop all collection activity against you, which includes any lawsuits or garnishment filed by creditors in an attempt to recover funds from you.

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 allows you to keep and/or protect assets that you might lose in Chapter 7.

The holiday season is upon us once again.   This time of year, many people are motivated to give to charities.  While there are many obvious benefits to charitable giving, one additional benefit to the giver is that their contribution might entitle them to a charitable contribution deduction against their income tax.

Whenever stories or reports are published regarding security clearance lapses, there is usually a move by the Pentagon or Congress to redouble the efforts for investigations and to tighten the scrutiny with regard to security clearances.  This has happened in the past after th

Through the years, I have seen several common pitfalls for clients in Chapter 13 bankruptcy involving tax-related debts.

New Bankruptcy Forms and Rules become effective December 1, 2015. There are several major changes to the forms, but the one I find the most interesting is the new Declaration under Penalty of Perjury in the new forms.

Some of you may recall my August 5, 2015 blog entry Is the Social Security Administration’s Disability Program Running Out of Money?

During a consultation, clients may need to discuss how they can deal with a cosigned debt. It might be that they want to untangle themselves from a cosigned debt or it might be that they need to protect someone that has co-signed a debt obligation for them.

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.