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The Means Test

The Means Test was part of the Bankruptcy Reform Act of 2005. Its purpose was to devise an income test to determine eligibility to file a Chapter 7 bankruptcy. The means test is a backward looking tes… Read More
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Discharging Taxes and other Government Debts in Bankruptcy

Most people are astonished to discover that they can discharge certain tax liabilities in bankruptcy. The type of tax debts typically discharged in bankruptcy are income taxes and sales taxes. Payroll… Read More
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The Do’s and Don’ts of Bankruptcy and how to plan for filing a bankruptcy

In preparing to file bankruptcy a client should be aware of how a bankruptcy case is reviewed by creditors and administered by the Trustee. The client should be advised of what assets are exempt and c… Read More
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Keeping Your Home Through Chapter 13 Bankruptcy

Bankruptcy offers relief to homeowners who are financially strapped. Depending on your financial circumstances bankruptcy can provide assistance to stopping foreclosure, reducing payments, stripping o… Read More
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Chapter 13 Bankruptcy Timeline

Outline for client Chapter 13 Bankruptcy: The purpose of this outline is to advise the client on what to expect in the preparation and filing of a Chapter 13 case: The first step in filing the case is… Read More
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Chapter 7 Bankruptcy Timeline

Outline for client Chapter 7 Bankruptcy: The purpose of the outline is to advise the client on what to expect in preparing and filing the case. The first step in filing the case is to pay the fee to t… Read More
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Credit Counseling, Bankruptcy or 401k loans?

Bankruptcy is often preferable to credit counseling and debt consolidation alternatives. Many people are afraid to file bankruptcy and choose to work with a credit counselor or debt consolidation comp… Read More
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