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djhargrove

IT MAY BE TIME TO RE-EXAMINE YOUR CHAPTER 13 CASE.

Hi Folks, So with all of the economic uncertainty, for people who have been in long standing Chapter 13 cases, it might be a good time to re-examine your circumstances. There are a number of reasons why someone might file for a Ch. 13, such as: I was ineligible for a Ch. 7 at the

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djhargrove

BANKRUPTCY FILINGS ON THE DECLINE DESPITE UNCERTAIN ECONOMIC TIMES

Despite the frustrating economic times, a lot of people are confused about the fact that Bankruptcy filings seemed to have declined. There are a myriad of factors on why this is happening, but the phenomenon is important for a whole host of industries which depend on the strength of the economy.  Jobs ranging from car

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djhargrove

COVID UPDATE – STUDENT LOANS

Hi Folks,   So there has been a lot of activity over the past few days in Washington DC attempting to bring relief for the American people. On the issue of student loans, according to Forbes, the President signed an executive order suspending student loan payments through the end of the year (December 31, 2020),

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djhargrove

COVID UPDATE – MORATORIUM ON COLLECTIONS

So we’ve been having some people reach out to us about the confusion related to the temporary Covid-19 moratorium on collections. While it is true that many creditors are offering a welcomed short-term forbearance on regular payments, each program is a little different. Some offer 0% interest, while others just suspend payments for a short

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STATUTE OF LIMITATIONS ON OLD DEBTS

Lately, we have had a lot of clients who have received wage garnishments for very old debts.  Many of them thought that their debts had passed the statute of limitations and were shocked to see their paycheck be hit by a garnishment. Statute of Limitations can be a bit confusing.  First there are multiple statutes

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djhargrove

WHAT ARE THE PROS AND CONS OF SETTLING WITH A CREDITOR? PART II

In my last blog post I talked about debt settlement, and laid out the benefits and some of the pitfalls associated with exploring that option.  In this post, let’s talk about the practical side of things. In my opinion, unless you really have no ability to speak assertively over the phone, you really should not

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