Category Archives: free bankruptcy consultation

How do I know if I need to file bankruptcy?

A Checklist of 33 Indicators That You Should See a Bankruptcy Attorney   Here are 33 warning signs that you might need to file a Chapter 7 Bankruptcy or Chapter 13 debt reorganization plan to control creditors or eliminate your debts. If one or more apply, you should see a bankruptcy attorney as soon as […]

Disabled Veterans and the Bankruptcy Means Test

Disabled Veterans and the Bankruptcy Means Test

Are you a Veteran considering filing bankruptcy, you may have some surprising help with qualifying to file your case.

As part of the changes in the bankruptcy laws in 2005, most people who have income above the “median income” have to go through a special analysis called the “statement of current monthly income.” Commonly referred to as the “means test,” or the “median income test” its’ sole purpose is to force as many people as possible to spend 3-5 years in a Chapter 13 reorganization paying everything they can to creditors. The reality is that the test is based on numbers are often not what it truly costs to live. This is not at all surprising, given that the law was written by the credit industry. (more…)

What is filing bankruptcy like for people with money problems?

 

Considering Filing Bankruptcy? Learn What Your

Experience Should Be Like.

Some people have bad experiences in bankruptcy because they either have a less than competent attorney or they do not know what the process should be like. We are going to cover what your experience should be like from when you first see the bankruptcy attorney to the completion of your case and beyond. If you have an attorney that does not spend the time with you to really go over your circumstances with you at your initial consultation or you feel like it was more sales pitch than good advise then it is time to look somewhere else. 

Meeting with a bankruptcy attorney to learn if filing bankruptcy will help you?

Free Consultation With Gary Fraley A Certified Bankruptcy Specialist About Filing BankruptcyI meet many people that come in my bankruptcy law office every day to see if filing bankruptcy will help them. Most are embarrassed to be there. They cannot believe that they would ever end up in my office. I have to explain that almost everyone that comes in feels the same way. The sad fact is that bad things happen to good people. No matter what you do you make choices based on your best guess as to what will happen in the future. Unfortunately. none of us has a crystal ball. (actually I do have one but it has yet to tell me about my future.)

I explain to them that they should not tie their self image to the fact that they had to file bankruptcy. Filing bankruptcy does not make you a bad person, just someone who had financial reverses or got in a little over their head. The average family is one paycheck away from being so (more…)