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New Year…Fresh Start! It’s Tax Refund Time!

It is a New Year and time for a fresh start. Did you know you can use your tax refund to achieve that goal? This is the best time of the year to get your bankruptcy filed.  Now is when most of us get a ...

President Obama Tries Again Fix The Housing Issue

President Obama released a new plan to try to stop the foreclosure crisis and help people stay in their homes.  Obama new plan here ...

Filing Fee and Costs Only To Start a Chapter 13

Starting November 10, 2011 Wayne Novick and Elizabeth Chinault will get your Chapter 13 started for you so long as you can pay the filing fee ($281), Credit Counseling Fee ($49) and the appraisal fee (for real estate $150) upfront.  The entire legal fee will ...

Why Moving Your Money To A Credit Union May Not Be A Good Idea

Should I Move My Money to a Credit Union? Should I move my money from a big bank to a credit union or  to a smaller local bank?  The reasons for wanting to move your money are sound but you should be wary of moving ...

How Much Does It Cost To File Bankruptcy?

It seems that every day we are getting 2 to 3 calls a days asking for a fee quote for bankruptcy services. Everybody is shopping trying to save a few dollars here and there.  So why not with your lawyer too?  How ...

Bankruptcy Filing Fees Increased November 2011

The Filing  Fee in Chapter 7  cases increased from $299 to $306. The Filing Fee in Chapter 13 cases increased from $274 to $281. ...

Benefits of Chapter 13

There are some pretty neat things that a person can do by filing Chapter 13. 1. Lower their car payment by reducing the interest and stretching the Payment. 2. Catch up late payments on their car or truck loan. 3. Catch up the ...

Walk Away From Your Home

There is still good arguments being made for trying to stay in your home or to walk away if you can not make the payments.  The important thing to do is this situation is to make sure you talk with a professional to understand what ...

PRINCIPAL PAY DOWN MORTGAGE PLAN

The National Association of Bankruptcy Lawyer along with several other Consumer groups is trying to get the Obama Administration to work with the Mortgage industry to accept the Principal Pay Down plan.  The short version of this will allow individuals in Chapter 13 to pay ...

Can a Married Person File Bankruptcy Without Their Spouse?

The answer to the question is yes. But the better question: is it WISE to file bankruptcy without your spouse? Here are some of the issues that a bankruptcy attorney must consider. Do you and your spouse have joint debt? This can be determined ...

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WAYNE P. NOVICK •.DAYTON, OHIO • (937) 436-2606 • 1-800-878-2605 • FAX (937) 436-4602 GRATEFULLAWYER@GMAIL.COM CONTACT INFORMATION ADMIN
Wayne Novick and Associates are debt relief agents. We file bankruptcies.