In my small state of Rhode Island, there are 5,878 licensed attorneys.  RI only has a population of 1,050,788 people.  That is one lawyer for every 178 people. 
Because each attorney is licensed in the general practice of law, he can represent just about any matter that comes through the door. He can handle a murder [...]

13 Reasons To File A Chapter 13 Bankruptcy
I f you are considering filing a bankruptcy, the best advice I can give you is to discuss your financial situation with a competent bankruptcy attorney.  She will tell you that for most consumers, there are often two options: file a Chapter 7 or a Chapter 13 bankruptcy. [...]

Unless you are a customer of the bank, Houston bank First Bank in Houston refuses to break a $100.00 bill into smaller bills. My son experienced this recently when he needed to pay someone in exact cash and only had a $100.00 bill.
What are banks thinking?  I could understand if it was a check, but [...]

#1 “Must the Non-Filing Spouse’s Information Be Disclosed?

This continues the series “I’m Filing, My Spouse Isn’t-What Happens?” The series is introduced here.
Let’s start by remembering the context of a review of a bankruptcy petition by angry creditors or the United States Trustee’s office, for example. For one thing, the Means Test might be needed to [...]

Bankruptcy lawyers have grown accustomed to hearing alarming stories from clients about so-called mortgage loan modifications which never seem to be finalized: homeowners being strung along by disingenuous mortgage company reps until foreclosure, “trial modifications,” unreturned phone calls, never ending requests for documents, never getting the same mortgage company rep on the phone twice, being asked for the [...]

On Friday the thirteenth, the Fed shut down Orion Bank.  The Orion Bank closing constitutes the 122nd bank failure this year.
Orion owns a branch across the street from my office.  I would like to say that this was shocking, but it wasn’t.  For years, my clients have been filing for bankruptcy on loans [...]

Discharge in bankruptcy is good. Dismissal is generally bad.  Discharge is  what  most debtors seek when filing their bankruptcy.  Dismissal is what a debtor is  generally trying to avoid.
The discharge is the injunction granted by the bankruptcy court that keeps the creditors from enforcing their rights to collect personally on the debt.  More commonly, [...]

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 [...]

The §341 Meeting, also called the meeting of creditors, is a meeting that takes place around 20 to 40 days after your bankruptcy case is filed. At this meeting the case trustee assigned to your case, and any creditors who wish to attend, will be present. The case trustee will ask you a series of [...]