All my bags are packed.  I’m ready to go.  Got my code in hand and I’m leavin on a jet plane.  Don’t know when I’m coming back.
Tomorrow I leave for Tuscon and the start of another National Association of Consumer Bankruptcy Attorneys Convention.  You can always tell the NACBA Lawyer when they are heading to [...]

Be sure to tell the truth, the whole truth and nothing but, when it comes to advising your attorney about your financial picture.
When meeting or speaking with your attorney you will often be asked a number of questions. Each question asked by your attorney, is being asked because it is relevant to your bankruptcy case, [...]

We all handle medical problems differently.  Go to any Emergency Room and you may wonder why the guy experiencing chest pains for the past week didn’t come in earlier and why the kid with the splinter is there at all.
Financial problems are the same.  Some delay getting financial counsel, while others are pro-active and want [...]

Lawyers have a saying about trying a case: Put the skunk on the table.  It means if you’ve got something really bad going on in your case, it’s best to just deal with it.  Tell the judge or jury before the other side does so you can minimize the damage.
It’s really no different with [...]

When filing bankruptcy, a client’s first question often involves whether or not they can keep things they own, like their home, their car, or their 401(k).
These questions are important, and the answer to the question is two-fold:
1. Is there a lien against the property?
2. If no lien exists, what Bankruptcy Exemptions are available?
If there is [...]

One day this week, I got so angry at my potential clients.  I did not express this anger out loud, but I did  want to reach across my desk and say  YOU SHOULD HAVE COME HERE WEEKS OR MONTHS AGO.  Three new clients, and all three of them, would have had much better options had [...]

What is bankruptcy?  What a short video for an overview of bankruptcy.
FAQ:  bankruptcy basics
Frequently asked questions about bankruptcy – part one
Frequently asked questions about bankruptcy – part  two
Frequently asked questions about bankruptcy – part three
Frequently asked questions about bankruptcy – part four

Unless you’ve been living under a rock, you know that foreclosures are at record levels. That’s true all over, but it’s even more of a problem for folks in Michigan. Caught between the real estate meltdown and increasing globalization of manufacturing, things haven’t been this bad since the Great Depression. Unemployment is at almost 15%, [...]

Cars and reaffirmations were strange enough but with Household Goods things just get a little bit weirder.
Reaffirmation is  the process in a Chapter 7 bankruptcy in which the debtor wishes to keep an item that secures a loan.  The debtor agrees to continue to pay for the item and the creditor lets them keep it.
In [...]

Reaffirmation is the process in a chapter 7 where the debtor agrees to re obligates themselves on a debt and the lender lets them  keep the collateral.  The debtor makes the payments and keeps the car etc.
Reaffirmations of cars and things with wheels are treated very differently through the country even through out certain states. [...]