So, you’re in a Chapter 7 bankruptcy and you want to know whether you should reaffirm your car loan. A reaffirmation agreement basically takes a secured loan, like a car loan, outside the effect of your bankruptcy discharge. As to that one debt, it’s like you never filed bankruptcy. You filed Chapter 7 bankruptcy in [...]
Your Bankruptcy Attorney & You
There are two very important statutes that serve to protect consumers from some of the consequences of too much debt. The first is the United States Bankruptcy Code. Obvious enough since this is the Bankruptcy Law Network. The other statute is the Fair Debt Collections Practices Act or FDCPA. Both statutes individually can help consumers [...]
“I just got served papers for a repo car from 2007. I made copies of it for my paperwork, but I am not sure what to do.” I just got this message from a client. The office is working with him to prepare his chapter 7 bankruptcy filing but he is not yet ready to [...]
As a Consumer Bankruptcy Attorney, I meet quite a few people who are investigating what bankruptcy can do for them. Often the question will arise: How Can Bankruptcy Help Me? I think it is a great question, and it is one that I try to answer for each and every individual that walks through my [...]
As a bankruptcy lawyer, I have often advised clients not to bother with a short sale if they’re filing bankruptcy. They are such a headache, and what is the point anyway? The bankruptcy discharge will wipe out the debtor’s obligation on the house. However, Jacksonville real estate lawyer David J. Heekin, Esquire sat down with [...]
Christmas is usually a slow time for consumer bankruptcy lawyers. The phones go quiet, a few cards come in, a fruit cake from a grateful client now and then. It gives us a chance to pause and consider what we do and why. Consumer Advocates Are Often Pariahs As a bankruptcy lawyer, I run a [...]
