16 Jun Don’t Abuse the Chapter 13 Process
As a debtor’s attorney, my job is to counsel prospective bankruptcy clients about the bankruptcy laws and how to gain as much benefit as possible from a bankruptcy filing. After 20+ years representing honest, hardworking people in bankruptcy court, I know that for the vast majority of bankruptcy filers, the decision to contact a lawyer like me and to file a bankruptcy petition can be a gut wrentching, difficult decision.
I also believe that the Washington lobbyists who pushed through the atrocious BAPCPA changes to the bankruptcy laws and the lending industry spokespeople who testified before Congress about widespread abuse of Chapter 7 and Chapter 13 have no idea what they are talking about. Yes, there are some who abuse bankruptcy, but most bankruptcy lawyers who work "in the trenches" know that instances of abuse are rare and are usually perpetuated without the guidance of lawyers.
Jonathan Ginsberg, Esq.
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