The most common violations under the Fair Debt Collection Practices Act include the following: Communications with third parties about your alleged debt; Communicating with you after you have sent a written cease and desist letter; Any contact with you by post card or with an envelope that identifies itself as a debt collector; Contacting you…

Here is a list of the notable Bankruptcy Court decisions from the past 2 years: 1. Rash. In this case, the US Supreme Court determined that the value of a secured creditor’s claim in a Chapter 13 cram down is based on the value of the property retained  is based on “the cost the cost…

How about recovering almost $7,000 in pre-petition garnishments for clients? Through our persistent efforts, we have helped clients recover almost $7,000 in money that was garnished from their wages, bank accounts and state income tax returns. We filed the necessary documents to get the underlying actions (judgments) stayed and then followed up on every garnishment…

In a long awaited decision, Judge Opperman upheld the Mortgage Modification provisions introduced by Chapter 13 Trustee Thomas W. McDonald, Jr. earlier this year. In the case In re Summers, Judge Opperman established the procedures through which a Chapter 13 Debtor could seek to modify the terms of their mortgage. The only provision that was…

Without doubt, Chapter 13 Bankruptcy is the most powerful tool for reorganizing your finances in the US – the free world. Chapter 13 gives you an opportunity to reorganize your life and emerge from the dismal darkness of the absolute hell of insolvency. Lately, I have met with several people who are in 13’s and…

This question comes up all the time. People who have trashed their credit scores worry about getting credit again. Here is how it works? I helps if you start out by cleaning up your past wreckage. In other words, file for BANKRUPTCY get your discharge and move forward. For most of us – we don’t…

I am attaching a portion of the Chapter 13 Handbook that you were given at your 341 hearing right after your Chapter 13 case was filed. Please take a moment and review this attachment. I have high lighted and underscored the more relevant provisions. It is extremely important that you read this attachment and keep…