Andy Miofsky holds the highest AV PREEMINENT rating from Martindale Hubbell Law Directory and a perfect 10.0 from AVVO. Andy is an Illinois consumer rights lawyer with offices in Granite City Illinois. Andy represents people with bankruptcy and student loan debt problems throughout the Southern District of Illinois since 1979.


Author: Andy Miofsky, Esq.

20 Nov Chapter 7 Bankruptcy Lets You Cut Your Debt Losses and Move On.

[caption id="attachment_26396" align="alignright" width="216" caption="Cheaper to file bankruptcy"][/caption] Sometimes it makes more sense to let go of the past and start building a new future. Chapter 7 bankruptcy can be your solution. Does this debt arrangement conversation sound familiar? Client: I want to make arrangements to pay this debt. Me: Ok, how much can you offer to pay? Client: Nothing, I don’t have any money? Is it any wonder the bank will not work with you? Be realistic, creditors want cold hard cash, not talk, not arrangements. If you cannot make a payment, your arrangement, while well intentioned, is nothing more than an empty promise. It is time to check into reality.
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25 Sep Disclose, Disclose, Disclose For Successful Bankruptcy

If your bankruptcy attorney is a member of the National Association of Consumer Bankruptcy Attorneys [NACBA] chances are that attorney participates in a list service discussion of issues along with other bankruptcy attorneys across the country. The NACBA list allows member attorneys to share practice tips and discuss emerging trends. A recent discussion illustrates the need for accurate preparation of the bankruptcy paperwork and shows what could happen if proper procedures are not followed. A debtor who filed bankruptcy did not disclose ownership of a pending personal injury claim. After the bankruptcy case concluded the debtor settled the injury claim. Debtor, the personal injury lawyer who worked the case and several medical providers received payment from the settlement. Later the bankruptcy trustee learned about the settlement and demanded all of that money.
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