National Lien Processors called “Bill” yesterday.  Bill filed bankruptcy with me and was discharged in June 2013. Bill told them he filed...

Who Should Not file Bankruptcy? Ray came to see me last week, wanting to file bankruptcy.  Right away.  He had his first payment, seven...

Can filing bankruptcy make you smarter? A new book, Scarcity: Why Having Too Little Means So Much, explains why filing bankruptcy can...

“Transferred, Sold” accounts from Chase are a common error on after bankruptcy credit reports. When a bank sends your credit card account...

People often ask me if they are allowed to keep a credit card out of the bankruptcy. If you mean, can a leave one card off the list, the...

How soon after bankruptcy can I buy a house again? Sooner than most people think.  And for some, it just got even better. That’s because...

Can I leave one credit card out of bankruptcy? People ask me that probably twice a week.  The short answer, is, No, you can’t.  You can’t...

What’s a credit report?  Where do they came from?  What’s a “credit file disclosure?” After bankruptcy, you want to make sure your credit...

Have you made all your payments under your Chapter 13 plan?  You can still lose your discharge—unless you file your §1328 Certification....

Your After Bankruptcy Credit Report Your after bankruptcy credit report is a big part of your “fresh start” in bankruptcy. That’s why...

Virginia Statute of Limitations for Credit Card Debt Some people, whose credit is really, really bad, don’t need to file bankruptcy,...

As a Virginia bankruptcy lawyer, people ask me almost every day, do I need to file bankruptcy after foreclosure? When I try to answer...

Got an email this week from Martindale-Hubbell, publishers of the famous Martindale Hubbell lawyer directory and also Lawyers.com. They...

To my readers around the country, please keep in mind that I cannot give you legal advice. My answers here on this blog may help you...

Getting Sued After Short Sale? Getting sued after a short sale is highly probable.  Saw three couples this month who needed to file...

This is a story about how Bank of America violated the bankruptcy discharge, hacking off Gus and Nikoleta, and me.  (I’ve changed the...

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

If you file bankruptcy, you need to send in proof of your income.  For most people, that means your pay stubs.   Section 521 of the...

Here’s an email I got on Friday, March 15 2013. I started the bankruptcy process with your office in 03/2012 and stopped the process....

Tommy needs to file bankruptcy. We’ve been holding off  filing his papers for several months.  Why?  Before he talked to me as...