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There Is Hope For Those Struggling Un...

  The New York Times ran this article today explaining how the Income Based Repayment plan or IBR is giving lots of  people some relief from their student loans.  It is important to be current or get current.  You can then explore your eligibility for an IBR repayment plan. You can go to the Consumer […]

Filing A Bankruptcy In The New Year

This article drafted by fellow NACBA memeber, Reed Allmand,  bring up several things to consider in the New Year as a reason to file bankruptcy now.  Of course the decision to file and the timing of when to file varies for each individual and each case.  It is important for you to review your case […]

Tax Refund Bankruptcy and a Fresh St...

Now that you have made the decision to file for bankruptcy, and you are going to use your tax refund to do so, there are a few important things you need to know. You MUST consult with an attorney before you start spending your tax refund money. A portion of your refund may not be […]


It is a New Year and time for a fresh start. It’s time to start working on that resolution to make this the year you will finally get out of debt. It’s time to start looking towards the future and where you want to be not just next year, but five years from now. Did […]


We started noticing this trend earlier last year when several of our clients brought us copies of civil lawsuits filed by private student loan lenders.  Coincidentally all the lawsuits were filed by National Collegiate Student Loan Trust.   Fortunately my clients brought these lawsuits before the 28 days had run.  We were able to file […]

Consumer Financial Protection Bureau ...

The Consumer Financial Protection Bureau is a great resource for finding information about consumer protections, education and laws.  Visiting their website can help you get your life organized and may have the answer to your problem.  The section everyone has a story shares with you the stories of the many people they have helped.  Take […]

How To Pick A Bankruptcy Lawyer

Here are five tips on how to choose a bankruptcy lawyer.  I would agree with most of these suggestions. in the article. A bankruptcy lawyer should be knowledgeable and current with the law.  The Lawyer should be a member of the National Association of Consumer Bankruptcy Lawyers.   The number one consumer bankruptcy organization. A bankruptcy […]

Common Bankruptcy Questions Updated

Top Ten Bankruptcy Questions    Why won’t you quote your fees over the phone? Our fees are based on your needs. If your case is less complicated, you will pay significantly less than someone who may have serious issues impacting their bankruptcy options. This is why we spend so much time with you at your […]

Bankruptcy Questions # 1. Do Married ...

The answer to the question is NO But the better question: Is it WISE to file bankruptcy without your spouse? Here are some of the issues that must be consider to determine if  Both Spouses have to file bankruptcy. Do you and your spouse have joint debt?   If both parties are on the debt or […]

Time to Look at Options on Repaying Y...

January is always the month we plan to get a handle on out lives.  We make plans to diet and we make plans to get organized financially.  Often we plan but find that following through is difficult.  Financially it is always a good idea to review your situation.  Many people are finding they overrun by […]