Medical Bills and the Affordable Care Act

Posted on November 3027, 2016 by: Bankruptcy Clinic

The Affordable Care Act is now entering its fourth year. With the recent election of Donald Trump, there is strong talk in Washington of attempting to “repeal and replace” the law. Many positive developments have occurred as a result of the law’s provisions. More people have insurance coverage than before it was passed. Fewer individuals […]


The Trap of Credit Card Debt

Posted on September 540, 2016 by: Bankruptcy Clinic

Unfortunately, debt has become an acceptable way of life in this country. College students take out educational loans, homeowners take out loans to buy homes, while many others take out loans to finance vehicles as well as multiple other items.  Since it has become so common, some people underestimate how serious debt can be, especially […]

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Be Cautious of Debt Settlement Companies

Posted on August 1932, 2016 by: Bankruptcy Clinic

Debt settlement companies promise they can settle your debts for pennies on the dollar or perhaps for a percentage of what is owed. For vulnerable or desperate consumers, these outfits might seem attractive. However, a very high percentage of these for-profit companies engage in fraudulent and deceptive practices and should simply be avoided. In 2010, […]

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Filing Bankruptcy Before or After a Divorce

Posted on August 747, 2016 by: Bankruptcy Clinic

Financial problems are a leading cause of divorce in America. By extension, divorce is often a major contributing factor leading to bankruptcy. It is not uncommon for individuals to seek bankruptcy protection before, during, or after a divorce. If you are suffering financial problems, and you also are contemplating divorce, it is a good idea […]


Common Reasons People Avoid Bankruptcy

Posted on July 3014, 2016 by: Bankruptcy Clinic

Bankruptcy is a legal process that can help people gain control over their debt problems once and for all. Some people put off filing for bankruptcy, or try to avoid it, even though it may be their best, if not only, viable option. While bankruptcy may sound scary or embarrassing an experienced bankruptcy lawyer can […]

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Bankruptcy and your Personal Injury Case

Posted on July 2225, 2016 by: Bankruptcy Clinic

Accidents are a major cause of financial hardships for many Americans. A person might be financially stable until an unforeseen event such as a car accident or a job-related injury changes everything. As a consequence, some people fall behind on their mortgage or other bills and just can’t seem to catch up. A bankruptcy attorney […]


What is Mortgage Reinstatement?

Posted on July 1408, 2016 by: Bankruptcy Clinic

When people suffer a job loss, illness, or other calamity, they often fall behind on their bills. Unfortunately, they may fall behind on their mortgage payments and suddenly find themselves with two or three missed payments. At some point, the lender may call the loan due and refuse to accept any more mortgage payments. A […]


What is a lien?

Posted on July 839, 2016 by: Bankruptcy Clinic

Some may have heard the term “lien” but may not be completely familiar with its meaning.  A lien allows creditors to possibly sell property securing the lien (collateral) in order to recover losses due to a default on a loan, note, or other bill. In the absence of bankruptcy, if you sell property subject to […]

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What is a Secured Credit Card?

Posted on June 2850, 2016 by: Bankruptcy Clinic

One way people look to rebuild credit after a bankruptcy is through a secured credit card. This credit card extends a line of credit to a person who has put up money to secure the card. In other words, a person puts up $500 to secure a $500 line of credit. This can be a […]

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Repairing Your Credit Score After Bankruptcy

Posted on May 1944, 2016 by: Bankruptcy Clinic

Some companies advertise they can help repair credit after a bankruptcy. They claim they have the tools a consumers need to improve their credit score quickly no matter what kind of credit a person has. This is understandably tempting to someone who has recently filed bankruptcy who hopes there may be quick and easy fixes […]

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