The short answer is yes. Under the American with Disabilities Act you are to be provided an interpreter at no cost to you. What this means is that you can hire any attorney you want and the attorney MUST pay for the interpreter to be present at the interview. However the court [...]

Popularity: 5% [?]

Most of my clients come to me only as a last resort. They don’t want to file bankruptcy, are worried about the “stigma” that it might have on their life, and wondering whether or not the cost, both financially and to their credit score will be worth the benefit.
That, I think, has to be [...]

Popularity: 4% [?]

In some cases, bankruptcy isn’t only the right decision, it’s really the only decision. If you have one of the following situations, you should speak with an experienced bankruptcy attorney immediately:
If you liked that post, then try these…Bankruptcy Basics: What Does It Mean If My Case Is Dismissed? by Karen Oakes, Southern Oregon Bankruptcy [...]

Popularity: 5% [?]

Generally yes, these are mostly separate types of loans.
However, in certain situations, usually it has been with a Credit Union, the credit card or line of credit you have may be connected to your car. This is called cross-collateralization.
If the car loan and the credit card or other debt with the bank is secured by [...]

Popularity: 5% [?]

When a former client calls their bankruptcy attorney and says they are being harassed by a creditor, the attorney can either tell the client to send the creditor a letter, or if the attorney is astute, greet the client with open arms and welcome them back as a client. A discharge violation by a [...]

Popularity: 5% [?]

Retirement should be a time of relaxation, of enjoyment of the fruits of a lifetime of work and - hopefully - savings. Unfortunately incomes have not kept pace with living expenses for most people. So over the last decades middle class America has accumulated more debt to fill the gap. Unfortunately for [...]

Popularity: 5% [?]

If you owe your bank money they may close your checking and savings accounts after the filing of the bankruptcy.
The bank may not take any money from your accounts after you have filed to off-set their debts. However, sometimes they do and then it takes a while to get the money back.
Some banks will freeze [...]

Popularity: 17% [?]

In most every bankruptcy consultation, I am asked, “Do you think I should file bankruptcy?”  Because it is assumed I have an economic incentive to push bankruptcy, I don’t answer the question.  Rather, I analyze the financial circumstances, and I advise what would happen to the financial circumstances if a Chapter 7 or Chapter 13 [...]

Popularity: 5% [?]

The chief question that almost every client asks is whether bankruptcy is the right choice for them.  For every family, the combination of factors to look at is different.  Most have limped along, financially, and hate the thought of bankruptcy.
One of the elements that is decisive for me is whether the individual has any savings [...]

Popularity: 5% [?]

You are on your mother’s bank account “in case something happens,” or just to make it easier to pay her bills.  You recognize you need bankruptcy protection and you do not want to put your mother’s money at risk.  The deposits only came from your mother; you have NEVER deposited any of your own money [...]

Popularity: 7% [?]