Nov 9, 2025 | Articles Blog, Chapter 13, new blog posts
Zombie Second Mortgages Are Hard to Kill Zombie mortgages are hard to kill. But in the past two years, we successfully used Chapter 13 and consumer law violations to save two families from foreclosure by zombie second mortgages. Maurice and Lily Hadn’t Paid the...
Oct 12, 2025 | Articles Blog, Blog, new blog posts, Weekly Posts
Some People file Bankruptcy After They Drained their TSP Some people file bankruptcy after they drained their TSP. Those people, people I meet as a bankruptcy lawyer, should have talked to me sooner and left their money safely in their TSP. One of the many wonderful...
Jun 3, 2025 | Articles Blog
Why Does the Bankruptcy Court Need My Tax Forms? When we file your bankruptcy case, we have to turn in copies of your last year’s tax forms. Your bankruptcy trustee will look at them, and you might get asked a question or two at your bankruptcy trustee hearing. ...
May 2, 2025 | Articles Blog
“Credit Scores Improve Immediately After Filing for Bankruptcy.” That’s from an October 2024 consumer bankruptcy study done by Lending Tree. The average person saw their credit score increase from 533 to 602. (This matches two studies, in 2014 and...
Apr 5, 2025 | Articles Blog, Blog, Chapter 7
Chapter 7 income eligibility got slightly easier April 1, 2025 If you are making less than the median income, you have income eligibility to file Chapter 7 bankruptcy. Those eligibility numbers adjusted up, April 1, 2025. For Virginia, eligibility is automatic for...
Feb 9, 2025 | Articles Blog, Chapter 7
Can I Keep My Car in Chapter 7 and Change My Mind Later? Here’s one of the big advantages of Chapter 7 bankruptcy. You can keep paying on your car now, but then change your mind and give it back later. You can give it back later without hurting your credit; and...
