Blogs

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.

We often hear the phrase "Too good to be true". Well, unfortunately when it comes to debt settlement, that statement may be truer (and costly) than you might think.

If you have watched the A&E reality show “Duck Dynasty”, you have seen Uncle Si with his trademark plastic cup filled with sweet iced tea and jug filled with the same on standby to keep his cup filled.

If you make above the median income, the means test has to be completed to determine whether you qualify to file chapter 7 without a presumption of abuse.  However, if you are a member of the Natio

This is a continuation of my post from September 19, 2015 entitled What Is A Home Loan Modification.

The world we live in has changed vastly over the past 20 years or so since we were introduced to the Internet.   Many if not most of the changes were for the better, but as with anything there are also downsides.  Unfortunately, the criminals of the world (or as my 5 year old calls them “bad men” of the world) have access to it as well and they have come up

In a Chapter 13 personal reorganization, you have an ongoing plan payment which usually is made whenever you receive a paycheck. This payment is determined by a number of factors, the primary one being your disposable income. The payment can also be determined by the amount of debt you owe and the type of debt you owe. During the course of your plan, your payments can change.

Recently, the Consumer Financial Protection Bureau (CFPB) took action against the nation’s two largest debt buyers and collectors – Encore Capital Group (Midland Funding, Midland Credit Management, Asset Acceptance)   and Portfolio Recovery Associates – for using deceptive tactics to collect bad debts that were potentially inaccurate, lacking documentation, or une

As a bankruptcy attorney I have had countless clients come to me having had their wages garnished, never even knowing a judgment on a collection lawsuit had been entered against them some time in the past.  This type of surprise can be devastating – causing a client to be unable to make a mo

Many times during the life of a Chapter 13 case, one of my clients will call and tell me they want a hardship discharge because they cannot make their Chapter 13 payments any longer.  Here are the requirements to qualify to seek a hardship application in Chapter 13 bankr