Bankruptcy Alternative: Just Don’t Pay Some people want or need an alternative to Chapter 7 bankruptcy. Meet Henry Hudson and his wife...

The Small Print Says Your Credit Union Can Repossess Your Car If You Are Late on Your Credit Cards. When you get a car loan from a credit...

Did you put off filing bankruptcy until after somebody got a judgment against you? Pre-bankruptcy judgments are liens on property you own...

People often ask me, what happens after bankruptcy if I . . . Get a big raise… Start a business… Get a big tax refund in future years…...

Do I need to file business bankruptcy? A lot of people who think they need to file business bankruptcy really don’t.   They often need to...

Bankruptcy and bank statements Planning to file bankruptcy?  You will need to round up bank statements.  You’ll need them at...

Your bankruptcy means test may be too high if you file your bankruptcy case in January 2012. People with bi-weekly paychecks get 26...

Defense cutbacks are now certain.  (At least as certain as anything is in this world.) Lots of people whose jobs seem safe now will soon...

I don’t like Chapter 13 bankruptcy. One reason is this. Your credit so much much worse than if you filed a Chapter 7 bankruptcy. I don’t...

Around 100,000 people a year get arrested because they owe unpaid bills and ignore a court paper.  Does this happen in Virginia.  Yes!...

People often ask me if there are any taxes that bankruptcy can help with. Here’s the rule.  You can discharge income taxes if they were...

Cindy (not her real name) filed bankruptcy with me back in 2001.   She called last week, upset.  A debt collector, Nationwide Credit...

A bankruptcy client sent me a wonderful email yesterday.  “I can finally see light to get on with my life.”  Why?  “I got the job!” Bad...

To get a HAMP loan modification, some people need to file bankruptcy first. I’m a Virginia bankruptcy lawyer. Usually, I urge people to...

Discharge?  Charge-off?  The two words look a lot alike.  Do they mean the same thing? Nope.  Discharge is a magic word.   A legal word,...

Lots of people I see filing bankruptcy are landlords. They’re not people who wanted to be landlords.  I’m talking about people who are...

Many people file bankruptcy right before foreclosure.  Sometimes the timing of the bankruptcy is to get more time to get a loan...

I’m a Virginia Bankruptcy Lawyer.   I talk to a lot of people in financial trouble.  I talk to a lot who are harassed by debt collectors....

Cough medicine, pain relievers and all over-the- counter meds count for you in the bankruptcy means test.  Make sure you count them....

Chapter 13 is selected by less than 5% of my Virginia bankruptcy clients.  For other people filing bankruptcy in Northern Virginia, it’s...