What do I do in bankruptcy if my house or car is worth less than what I owe?

Redeem, Reaffirm or Cram Down the value to keep your secured property. Often clients will ask me what the can do to keep their car or house in bankruptcy when there is a secured loan.  Often, the loan on the home or car is a big part of the financial difficulties that my clients are experiencing.  Many people want to keep ...

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What happens to a Land Contract Purchase of Real Estate when the Purchaser files for Bankruptcy?

When a property is purchased on contract, land contract or some other form of agreement where the purchaser is renting to own real estate and the purchaser files for it can leave the seller in a precarious position. One of three things is likely to happen depending on the circumstances: First, the seller may file a Motion for Relief...

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What if multiple drivers cause a car accident?

Negligence law can be a tricky area when considering whether damages can be obtained from multiple drivers in a car accident.  An attorney can provide an educated guess of what an insurance company might claim or a jury might decide on determining fault.  Some accidents it is clear who caused the accident, but what about when there...

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Should I file bankruptcy?

Should bankruptcy be filed is a question that many consider every day just as we have heard about the United States debt issues over the last several months. At the last minute the United States has avoided the and, sadly, in doing so most people will experience because of our Congress’ negotiated deal. The United States has the m...

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Why did my Paycheck go down?

     Even in our office, the question has been raised of “why did my paycheck go down this month”.  The reason is political and I certainly would not even try to explain the political wrangling that occurred, but the short answer is that the law that permitted employers to reduce FICA withholding from employee’s paychecks ...

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Hurt in an automobile accident – What to expect.

No Fee Until We Recover Money for Your When you are hurt in a car or truck accident, the injuries are only part of what you have to deal with. If that accident was not your fault, you have to worry about what will happen with the damages to your vehicle. You will have to wonder how ...

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Experienced Attorney vs. Do It Yourself Legal Forms

I see advertisements on the web, television and even know a client or two that have tried the do it yourself legal forms from companies like Legal Zoom and Rocket Lawyer. Please do not get me wrong, these sites serve a very valuable service and segment of society. However, while do it yourself legal seems to save money and maybe time...

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What is my injury claim worth?

Every personal injury client that I meet with is interested and asks what is my injury claim worth.  There are many factors to consider in evaluating an injury claim’s value.  Choosing an attorney with experience and a reputation of a willingness to go to trial is one important consideration but there are many things to consider....

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Rebuild your credit score without delay after filing bankruptcy

Crushing and uncontrollable debt can make your life truly miserable. Things tend to get worse when you can’t make the best use of proper debt relief solutions. It is then that you decide to . In bankruptcy, you become part of a proceeding in the federal court. The proceeding leads to the liquidation of your assets and you’re no l...

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Mortgage After Foreclosure, Bankruptcy and Short Sales

Mortgages and are significant issues for my debt clients that are facing foreclosure, bankruptcy or considering a short sale for their home.  When one of these events happen, there are general rules of thumb of what will happen if you seek a mortgage and when you might be able to qualify for a mortgage. results in the longest waiti...

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