Ok, sorry to beat the drum here. I know I promised an update on rent-to-own contracts, but I keep getting sucked into this surprise medical bills issue. It really galls me. We try to encourage folks to take advantage of their fresh start in bankruptcy by making good...read more
OK, we've blogged about before. Surprise medical bills. Check our last post to get the full story, but here's the short version. You go to the emergency room at a hospital your insurance says is in-network. Two months later you get a bill from a radiologist or...read more
Almost every consumer advocate out there talks about what an awful deal rent-to-own contacts offer buyers. Folks from Consumer Affairs, to Dave Ramsey, and others tell stories of unscrupulous sales people, 300%+ interest rates, total purchase costs at 2-3 times the...read more
Ironically, we covered surprise ER bills pretty recently. Turns out there's another way that folks are getting hit hard in the wallet after surviving an emergency. Some people may not know this, but most physicians in the ER actually don't work for the hospital. They...read more
Why shouldn't I just renegotiate my debt? This other lawyer says he can lower my payments and get me out of debt without filing for bankruptcy. We hear this all the time during our free initial consultation with new clients. To be honest, it might work for you. But...read more
Even after you hire us, but especially if you hire someone else or choose to do it yourself, getting up the courage to decide to change your life by filing for bankruptcy is just the beginning of your journey to the financial fresh start. Actually getting that discharge from the court takes us working together to get some things done that are probably hard for you to do.read more
There are always topics in bankruptcy law to complain about, especially exemption amounts and allowed exemptions. I find two exemptions in particular most aggravating and unfair for consumers. I cover the first and most common here. Homestead Exemptions Should...read more
Oh no! Your 8 year-old son just fell on the playground at school and hurt his arm. You aren't sure if it's broken, but he's in a lot of pain and can't stop crying. You dutifully inform your boss that family calls, and you need to leave. You pick up your son from...read more
Unfortunately, some folks have all the luck. We do our best to make sure our clients are able to build a financial path that leads them away from the precarious positions that bankruptcy saves them from. Sometimes, life has other plans though and that first clean...read more
Filing for bankruptcy can be incredibly stressful and it just sucks. It’s time consuming and can be very overwhelming.
Debtors who work with an attorney are 3-20 times more likely to successfully complete bankruptcy. Even with a lawyer it can be very overwhelming, but it can be much more stressful without legal help.
Here a few things to keep in mind to help get you through the bankruptcy process: