Blog Posts in 2009

It is important for a person with serious debt problems to understand that the choice to file for bankruptcy and the choice of bankruptcy chapter are personal. The choice to avoid bankruptcy and try ...

A chapter 13 bankruptcy requires that an “above median” debtor take a “means test” in order to determine how much that debtor must pay to unsecured creditors during the plan. This amount is called ...

The “small business” is suffering in today’s economic climate. Many have debts that are insurmountable. The “owner” has often also personally guaranteed the debt and is facing bankruptcy. The question ...

Selling your home “short”… What does this mean and why would you want to consider it? When homeowners sell a home “short”, they are asking the lender to agree to the sale even though they will not be ...

I don’t sell bankruptcy as a commodity. Why? 1. There are other options that may better fit the client’s situation. 2. The client may have personal reasons for choosing to deal with the debt before ...

The Ninth Circuit Court of Appeals has decided the issue of whether a reaffirmation agreement is necessary for bankruptcy in relation to personal property. Prior to the 2005 changes to the bankruptcy ...