Do your debts have the best of you? Once you make the decision do something about it, you usually contemplate debt consolidation or bankruptcy. They are both valid options for you to consider. Below we have explored some of the benefits and drawbacks of each. Debt consolidation can take many forms, but for this blog […]
Bankruptcy Versus Debt Consolidation: The Pros and Cons
Knowing the difference between these two debts can be extremely useful in determining which type of bankruptcy will work best for you. In order to file a Chapter 7 bankruptcy, you must be current on all house and car payments in order to keep them. A Chapter 7 bankruptcy will wipe out any unsecured debt. A Chapter 13 bankruptcy, on the other hand, is what’s known as a repayment plan.
The courts require that you take a credit counseling course from an approved agency prior to your bankruptcy being filed. This is not a requirement from just our law firm, this is a requirement by the Court. When the bankruptcy laws were changed in 2005, one of the changes included two course requirements. The first […]
Generally speaking, if someone cosigned a debt with you, and that debt is discharged or wiped out in the bankruptcy, the person who cosigned with you will be responsible for that debt.
Thank you for your interest in our firm. We know the decision to pursue bankruptcy was not easy for you. Our goal is to make the process as simple as possible for you and your family. We also want your free consultation to be helpful to you. As a result, we have a list of items for you to bring to your free consultation. Although you are not required to bring every document below, the more information you are able to bring to your consultation, the more precise we can be in determining your eligibility for bankruptcy.
Unfortunately, all too often, our loved ones are injured or neglected while in a nursing home or assisted living facility. Nursing Homes often times are understaffed and are unable to provide the resources necessary to protect our loved ones. These insufficiencies naturally lead to preventable injuries and even deaths. Our firm has seen too many […]
Decubitus ulcers, or bed sores ,are one of the most common forms of nursing home neglect. They are often caused when a patient is not turned on a regular basis resulting in pressure on the bony prominences of the body. The pressure reduces the blood flow to the area causing the surrounding tissue to die. […]
Sepsis, or septicemia is a potentially fatal illness that occurs when the body reacts to infection that has spread throughout the body. Sepsis is most commonly seen in the elderly or in young children, but may occur at any age. Symptoms Symptoms of sepsis usually include, but aren’t limited to: fever, increased heart rate, decreased […]
After your free bankruptcy consultation, you may choose to sign a contract. We will thoroughly explain each section of the contract, answer any other questions that you may have and allow you as much time as necessary to review our work agreement. At this time we can set you up on an easy payment plan, which allows […]
Workers compensation is a practice area that can best be handled with the guidance of a workers compensation attorney. Below is a simplified introduction to workers’ compensation law. More detailed explanations of workers’ compensation laws will follow in future blog posts. Workers’ compensation laws were developed to be beneficial to both the employee and the […]