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');document.write('Can Bankruptcy Help a Mortgage Modification Gone Bad?
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Sigh. I hate loan modifications. I just got off the phone with a potential bankruptcy client. This call was from yet another borrower who has been working on a loan modification for months, but now is looking for a attorney to file an emergency Chapter 13 to try to save her house. In this case, the [...]

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');document.write('Stay on Your Bankruptcy Lawyer?s Good Side
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You’ve finally hired a bankruptcy lawyer. You’ve done your research and found a lawyer with whom you think you can have a good working relationship. How do you preserve that good working relationship through the course of your bankruptcy case? I’m going to focus on things that are particularly relevant to bankruptcy cases, rather than [...]

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');document.write('Foreclosure, HAMP & Chapter 13 Bankruptcy
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Before the Home Affordable Modification Program (HAMP) came into existence if a client’s house was in foreclosure you had two basic options: Either file a Chapter 7 bankruptcy and give the house back to the creditor, or file a Chapter 13 and pay the arrearages though a Chapter 13 Plan. Very rarely would a creditor [...]

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');document.write('What Can I Do To Stop Creditors From Contacting Me?
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A sure way to stop creditors from contacting you is to file for bankruptcy protection. Under the Bankruptcy Code, once you file with the Court, an order called the “automatic stay” goes into effect immediately and without you or your attorney doing anything more than filing your petition. But, if you are saving your money [...]

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');document.write('Creditor Garnishes Funds Held by Chapter 13 Trustee
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Can a judgment creditor seek to garnish funds in the possession of the Chapter 13 Trustee after a Chapter 13 case is dismissed? The answer is yes in Orlando. A recent bankruptcy decision in the Orlando Division of the Middle District of Florida holds that if a Chapter 13 Debtor’s case is dismissed and the [...]

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');document.write('Affirm or Reaffirm After Bankruptcy, It?s Trouble Whatever It?s Called
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You’re told you need to “affirm” or “reaffirm” your mortgage loan to keep your home despite your bankruptcy. Don’t do it. Here’s why. First, I’ll put on my lawyer hat. It’s called “reaffirm”, although it’s a weird word and people often only remember “affirm”. It means that you want to re-agree to the loan agreement after [...]

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');document.write('Chapter 12 Farm Bankruptcy Helps Family Farmers Keep Their Farms
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Chapter 12 Bankruptcy is a powerful tool for operators of small farms to resolve their debt problems. Farming and debt often go hand in hand. This is particularly true for New York dairy farmers. They are being paid 20 percent less for unprocessed milk than they received in 2008 – even while milk prices at [...]

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');document.write('Signs That You Picked The Wrong Kind Of Mortgage
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Are you having problems paying a monthly mortgage payment? Are you living in fear of default? Here are some of the warning signs that your mortgage is a time bomb waiting to go off. The first is the size of your mortgage payment. If your payment is more than third of your monthly take-home pay, [...]

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');document.write('Absolute Right to Dismiss a 13? That?s What It Says
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Modern bankruptcy is largely a voluntary idea, a relief for those in need. The matching right to drop out of a case is less well recognized. This is true even in Chapter 13 where the right to dismiss your own case seems absolute. On the other hand, many courts have concluded the right to dismiss [...]

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');document.write('Consider Non Bankruptcy Alternatives For Debts
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If you are considering bankruptcy, mortgage modification, debt relief, debt settlement, debt management (credit counseling) or debt consolidation, you should look at all of them to be sure you are making the right decision for you and that you have all the facts. If you are in financial trouble there are many different options to [...]

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