If you are getting ready to meet with a bankruptcy attorney for a consultation, you may be wondering what to expect. A bankruptcy consultation is your chance to learn more about the filing process and your best options. What Can I Expect? Since most consultations are free, be prepared to ask and answer questions about […]

Are you being contacted or sued by Portfolio Recovery Associates, LLC (PRA)? If so, you are not alone. There are many debt-buying companies out there. Debt buyers purchase delinquent debts to collect money on the debts they purchased in bulk. Other debt buyers that we frequently see are Midland Funding, Cavalry SPV, and Encore Capital […]

When you have debt of any size, it can be stressful. So, it is not uncommon for people in debt to consider using a debt settlement company. However, there are some things you should understand about debt settlement companies before you call one. While debt settlement companies promise to save money on debt repayment, they […]

If you are concerned about your finances or your credit score, you may be looking for ways to improve your situation. We recommend that you look into all of your options first. Meeting with an experienced bankruptcy attorney should be included in your research. Most attorneys will provide free consultations to go over the best […]

Are you concerned that your debt will lead to a wage garnishment? First, you should know that a garnishment of your wages will not happen unless your unsecured creditor receives a judgment from the court. However, this is not the case for IRS debt. So, if you owe the IRS and want more information, click […]

Have you received a letter from the Social Security Administration (SSA) for collection of an overpayment? If so, you may want to know if this debt can be discharged in bankruptcy. So, is overpayment debt dischargeable? The good news is that most SSA overpayments are considered dischargeable. Basically, any unsecured debts that you have accumulated […]

Finding yourself in need of an attorney can be stressful. Typically, cost is a concern when considering retaining an attorney for legal services, especially for a bankruptcy-related matter. If you come across an attorney with pricing that is too good to be true, it might be. You will want to dig deeper before moving forward. […]

When filing for bankruptcy, you may worry about what will happen to your assets. What you may not consider is what will happen to your artistic works. Artistic works fall under intellectual property (IP) and can include things such as composed songs, films, or literary works. Artistic Works in Bankruptcy If you have composed music […]

You may be wondering if filing for bankruptcy will prevent you from buying a home or a new vehicle in the future. What may surprise you is that filing for bankruptcy can increase your credit score. This will put you in a better position to make large purchases like a house or car. Does it […]

If you have unpaid tax debt, you are at risk of having the IRS place a levy. You should know that dealing with IRS tax debt is not the same as dealing with any other type of debt collector. The IRS has the power to recoup money without filing a lawsuit. Before an IRS tax […]