“Many, of course, will rant and rave against the garment fate has woven for them, but they pick it up and don it all the same, and most wear it to the end of their days. You…you would rather go naked into the storm.” I admit that I’m a geek and I love reading epic
Is Your Bankruptcy Attorney a Limousine Driver?
You just spent hours on a flight to or from some wonderful destination. You exit the airport and proceed towards the outside world on what sometimes feels like a “red carpet” for travelers. You look around and you see limousine drivers everywhere holding tiny signs with names printed (or written) across them. Perhaps one of
Beware the Stingy Bankruptcy Lawyer
“How many lawyers does it take to screw in a light bulb?” ……. “How many can you afford?” Okay, I apologize for the bad lawyer joke but it plays to my self-deprecating humor. It also plays to the negative stereotype that surrounds us attorneys. At worst, attorneys are described as sleazy and greedy. At best,
The Irrational Fear of FICO
Any bankruptcy lawyer will tell you that the number one concern people have when filing bankruptcy is “damage to their credit.” There are plenty of misconceptions, myths and flat out lies circling the various media outlets about how bankruptcy should be a last resort and how it will destroy your credit. I would argue that
Financial Fun With Corduroy the Bear
In my family, we try to stick to a daily routine. That daily routine usually consists of “wind down” time right after dinner. Wind down time is an attempt to get our 20 month old son to relax and ease into bedtime. While our attempts are grand, our results are usually mixed. Wind down time
The Cell Phone Ball & Chain
As a bankruptcy lawyer, I have an extremely intimate relationship with the monthly budgets of my clients. That sounds kind of silly, but it is absolutely true. I can spot red flags a mile away and give you average household expenses for various monthly items right off the top of my head. So, after years
2005 – 2013: Will There be an 8 Year Bankruptcy Surge
As the calendar months tick off, we are approaching the eight year anniversary of the passage and implementation of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). For those that don’t know, this “new bankruptcy law” increased the burdens and costs of filing bankruptcy. It also created numerous obstacles and barriers for both debtors
Bankruptcy…Surprise!
While stressful, most people have a great time preparing and planning surprise parties. People take great joy in “fooling” and “shocking” friends and loved ones. I have participated in a few surprise parties, but have never been the subject of one. Honestly, I hope it stays that way. I never want to be the butt
Cutting Student Loan Debt in Half
As time goes by, I am seeing more and more individuals struggling with student loan debt. It seems that my observation jives with the overall statistics. In addition, from the conversations I am having with clients, it seems that student loan collectors are being more aggressive in their tactics. These collectors know that the borrower
Chapter 13: Benefit Through Burden
There are so many misconceptions about bankruptcy. One misconception is that bankruptcy is a “quick fix” for people struggling with debt. Many people feel that bankruptcy is “taking the easy way out.” In certain instances, chapter 7 bankruptcy can be relatively quick, easy and essentially painless. On the other hand, chapter 13 bankruptcy can be