What is a Pay Advice?
A pay advice is any document that provides written evidence of your income.
The most obvious example of a pay advice is a pay stub, but a pay advice can also be a printout of your income and withholding from your employer.  In fact, more and more often I will have clients [...]

A change in the Median Family Income used to determine eligibility to file a bankruptcy changes on November 1, 2009.
The Median Family Income for Louisiana beginning November 1, 2009 is as follows:
One Person:       $37,464.00
Two Persons:     $48,287.00
Three Persons:  $53,461.00
Four Persons:    $66,256.00
For each additional person in the household and additional $6,900.00 is allowed.

If you are in a Chapter 13 Plan in the Eastern District of Louisiana, which is the Bankruptcy Court for the Greater New Orleans area, the mailing address for the mailing of your Chapter 13 Plan payments has changed.
You should now send your Chapter 13 Plan payments to:
S. J. Beaulieu, Jr., Chapter 13 Trustee, P.O. Box 113, [...]

Can I keep one of my credit cards when I file for bankruptcy?
A common question heard by bankruptcy attorneys and a common temptation.
And understandable!
In today’s world, it is almost impossible to rent a car or reserve a hotel room without a credit card.

In a Chapter 13 bankruptcy the debtor proposes a Plan where he makes monthly payments of the arrearages (past due debt) to the Chapter 13 trustee.
Because money is already tight, the question I hear most often from clients  is when will the first Chapter 13 Plan payment due?
The general rule is found in the Bankruptcy Code, 11 U.S.C. [...]

Medical bills from a prolonged or serious illness are one the most common reasons why people need to file for bankruptcy.  I often get calls from people looking to file a medical bankruptcy.
But there is no such thing as a medical bankruptcy.
Medical bills are unsecured debts ( just like credit card debts), so a debtor filing for a [...]

Debt Settlement Firms and War share at least one thing in common:  Both are good for absolutely nothing!  “Say It Again!”
I said Debt Settlement Firms, “Huh…What are they good for?” Absolutely Nothing!
“Listen to me now!”

One of the most common fears that people considering bankruptcy have is whether or not they will lose their retirement if they file for bankruptcy.
Like all legal questions, the answer to the question of whether or not a debtor will lose their retirement benefits if they file for bankruptcy is that they will probably not [...]

Whether or not you will be able to keep a house after filing for bankruptcy will depend on several factors.
Are you current on the mortgage?
If you are current on the mortgage you can continue to pay the secured debt in a Chapter 7 bankruptcy while getting rid of your unsecured debt such as credit card [...]

Can you refile your bankruptcy if it has been dismissed?
The answer is yes, you can refile your bankruptcy if it has been dismissed. 
However, changes to the Bankruptcy Code that were in Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) can limit the relief that you receive when you refile.
When you file a bankruptcy one of the [...]