Personal Finance

Saving money–especially when you don’t have a lot–is always difficult. Most of my bankruptcy clients think that there’s no way they can save any money. But there are a number of ways to do it that are pretty painless and can pile up the cash quickly. Here are some ideas to help you start saving […]

A bankruptcy discharge is one of the primary reasons that a person files for bankruptcy protection.  We all should know this, but do we really know what the bankruptcy discharge allows us to do?  This is the question that really needs to be answered.  First, we need to discuss what the bankruptcy discharge is and […]

It pleases me to no end when I get a call from someone I represented in bankruptcy a few years back and I find out they are doing great and are back on their feet.  I  like hearing from former bankruptcy clients and getting good news. Often the call from former clients is prompted in because they […]

  I’ve seen lots of funny men; Some will rob you with a six-gun   And some with a fountain pen.    ~ Woody Guthrie (Pretty Boy Floyd)     Last month, Elizabeth Warren asked a pointed question of senior treasury department officials regarding why no enforcement action had ever been taken against a large financial institution.  “Can […]

Even if you surrender your home in bankruptcy, you are still liable for your homeowner’s or condominium owner’s association dues that become due after the date of filing. As a general rule, all the debt that you owe on the day you file your bankruptcy is discharged, including past-due HOA and COA dues.  However, because […]

We live in a hyper-stressed world, with work and family pulling us in all directions at once. Sometimes I wonder how we’re living longer as a society – after all, the stress can’t be good for us. Lots of my friends respond to stress by working out, sitting by the television in an effort to […]