Consumer Law Pro

The vast majority of your debts can  be discharged (dismissed) in a chapter 7 bankruptcy including credit cards (with some limited exceptions), medical debts, personal loans including pay day loans, rental related debts, utility bills, tuition and fees, and many...

Bankruptcy Petition Preparer The main reason you should not use a petition preparer is because they are prohibited from providing legal advice. Once the case is filed, the preparer has no further involvement. Therefore your case is technically a pro...

Secured Debts in Bankruptcy If you wish to Surrender the Collateral: Vehicles: You are no longer obligated to make the monthly payment, however, you must make arrangements with the lender to surrender the collateral within 45 days after the filing...

Pre-Bankruptcy Planning If you are struggling to maintain your debt obligations, you should speak to an attorney. An ethical attorney will not push you to file bankruptcy but will provide you the advice you need to make your own informed...

Seek Legal Counsel Right Away A common mistake many people make when it comes to filing bankruptcy is to wait too long to schedule a consultation. Most attorneys offer a free initial consultation. At the conclusion of the consultation, the...

When a Chapter 13 Bankruptcy May Be Preferable to a Chapter 7. 1) A Chapter 13 can remove a second mortgage from your home. Your attorney must file a motion to value collateral. To qualify, you must show that your...

Chapter 13 vs Chapter 7 Bankruptcy One of the first questions people ask when contemplating bankruptcy is which chapter they qualify under. For consumer debtors (non-business-related debts), it is a matter of comparing the benefits of chapter 13 and 7...

Tips for Hiring a Bankruptcy Attorney When you decide to hire a bankruptcy lawyer you should take caution in choosing an attorney based on experience level rather than basing your decision on price alone. When you have reached the point...