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Having Car Problems? Yes, you do have options.

So when you file a Chapter 7 Bankruptcy, your options related to a car are generally limited, as opposed to a Ch. 13 where we can in many cases, cure delinquencies, lower your interest rate, or even reduce the balance on the vehicle loan.Unfortunately, all of those options in a Ch. 13 come with a

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Prioritize Your Finances & Bankruptcy Planning

Hi Folks,Brian here. I hope you are having a Happy New Year. Changes are certainly coming to 2021, and not all of them are good. As we start to recover from the Covid-19 pandemic, which may still be many months away, we will have to reckon with the economic damage that has been done. Many

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Is there systemic racism and gender bias in the Bankruptcy system?

Recently, Senators Elizabeth Warren (D-Mass) and Representative Jerry Nadler (D-NY) proposed a major overhaul to the Bankruptcy system that they called the Consumer Bankruptcy Reform Act of 2020. While it does not have much chance of passing this year, it is quite possible that it would pass next year, and it proposes (among other things)

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Changes in Bankruptcy Filings during Pandemic – Part 2

Hi Folks, In my last post I talked about the changes that we have seen to the Bankruptcy process because of the Covid-19 pandemic. Clerk’s offices and Judge’s Chambers are harder to get information from, and trying to navigate complex court processes just over the phone can be challenging. In this unprecedented time of low

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Bankruptcy Filings are Down – Why does that matter to you? Part 1

i Hi Folks,Brian here. So, as of the time of this writing, we are in the middle of the Covid-19 pandemic. As an odd by-product of these intense circumstances, Bankruptcy filings nationwide are way down. That might seem counter-intuitive, but keep in mind that even though ordinary people are unemployed, so are debt collectors, repo-drivers,

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Representing yourself in front of a Bankruptcy Judge

  Once upon a time, Abraham Lincoln, who was a talented attorney, is credited as saying “he who represents himself has a fool for a client.”  When you represent yourself, we call it being “pro se”, which is Latin for “in one’s own behalf”, and in fact, our American legal system has a very long

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