How To Find The Best Buffalo Bankruptcy Lawyer

Looking for the best Buffalo bankruptcy lawyer? Follow these four steps to help you find a top bankruptcy lawyer in Buffalo NY.

3 Reasons to Ditch the Credit Cards in the New Year

The new year is a time to start over with a blank slate. It's an ideal time to rid yourself of negativity and give yourself a fresh new outlook on life. Unfortunately, this can be difficul

Our Top 7 Most Popular Bankruptcy Blog Posts of 2016

Well, that's a wrap. 2016 is coming to a close, and 2017 is just around the corner. While we are all excited about the prospect of a fresh start, and while setting new goals for the new ye

How to Find The Best Buffalo Bankruptcy Lawyer – Buffalo Bankruptcy Experts

When you are in debt and considering bankruptcy you need a Buffalo bankruptcy lawyer in your corner. It is emotionally difficult to even consider bankruptcy. Since you will experience bankruptcy fi…

6 Quick and Clever Ways to Save on Groceries

If you are currently going through a financial crisis, saving money is probably at the forefront of your mind. After all, we all know that every little bit helps, especially when you are at

Start Fresh in 2017: Financial Resolutions

The new year is here and if you haven't already, it's time to set your financial goals for 2017! Maybe you are hoping to pay off all of your debt, or perhaps you'd like to start a savings

Chapter 7: Can You or Trustee Sell Your Property After Bankruptcy Discharge?

You made it to the finish line. You filed your bankruptcy case and attended the required meetings. You took your credit counseling and debt management courses. You survived any filed objections. And y

Can I File Bankruptcy If Current And Not In Default On Payments?

Status Of Payments Does Not Affect Bankruptcy Eligibility I get asked this question often.  People think the gateway to bankruptcy relief requires being delinquent on payments. There is no such r

6 Things You Should NOT Do If You're Considering Bankruptcy

Perhaps you've found yourself in a difficult financial situation caused by high medical bills and loss of income, or a recent divorce. Your debts are piling up, and there's simply not enoug

Chapter 13: How To Get Relief From High Interest Rate Payments

If only the credit card companies would lower our payments a little, we could make them! Many people with good jobs have a hard time paying their debts. They have a house, car(s), and plenty of things

4 Budget Lodging Options to Stretch Your Holiday Travel Funds

If you have an extreme case of wanderlust, you may be ready to jump on an airplane and fly away right now. Unfortunately, we all have bills to pay, and traveling whenever we feel like it is

Filing for Bankruptcy Without an Attorney: What You Need to Know

Once you've made a decision to file bankruptcy the next thing you'll need to do is find a bankruptcy attorney. Chances are, like most people, you've decided to file bankruptcy because you c

How to Host a Holiday Dinner on a Budget

Thanksgiving is over, which means the Christmas celebrations — as well as a number of other winter holidays — are just around the corner.  This might have you feeling a bi

Holiday Shopping During Tough Financial Times

The winter holidays are coming up quickly, and it's time to begin preparations. If you are in a tough spot financially, and especially if you are near the brink of bankruptcy, spending tons

Bankruptcy and Divorce: What You Need to Know

People file for bankruptcy for many different reasons. Those reasons are often more complex than just being unable to make ends meet.  Usually, there is another life event that is putt

Why Bankruptcy Trustees Prefer You To File Without An Attorney

Bankruptcy trustees are in business to make money. Most knowledgeable sources recommend against people filing  bankruptcy cases without an attorney. But not Chapter 7 bankruptcy trustees. I recen

Bankruptcy Can Get Rid of Tax Debts But Only If Returns Are Filed

Income tax debts can be discharged in bankruptcy. But not all of them. There are rules.  Lots of them. One of the rules is that the taxes must be at least 3 years old. This is measured from the d

Chapter 13: How Plan Payments Work

Ever wonder how to determine the amount of your monthly plan payment in a Chapter 13 bankruptcy case? Chapter 13 is a repayment plan that your creditors have to accept, as long as certain require

How To Self Report Current Payments On Your Credit Report After Bankruptcy

You file a bankruptcy case and receive your discharge of debts. You are keeping your house and cars and continue making the payments on time. You assume this will help you rebuild your credit. Bu

Can I Discharge Unlisted Debts In a No Asset Chapter 7 or Other Bankruptcy Chapters?

When you file a bankruptcy case, the main goal is usually to eliminate the obligation to repay debts. But what if you don't know everybody you owe money to? This is very typical and can result in diff

The Top Seven Apps For Effortlessly Saving Money

Benjamin Franklin is popularly quoted with the saying, “a penny saved is a penny earned.” If you are smart about saving money, you will probably have far fewer financial difficulties than

Bankruptcy Helps The Middle Class To Survive

You did what you were supposed to do in life. You went to school.  Got a job.  Earned decent wages. Worked hard.  Started a family. Maybe you've even managed to put a child through coll

How Soon Can I Buy A House After Bankruptcy Or Foreclosure?

Admittedly, it takes some amount of time to recover from a foreclosure or a bankruptcy, but if someone sincerely wants to buy a home after a bankruptcy or a foreclosure, it can usually be done. It mos

Infographic – Chapter 7 vs. Chapter 13 Bankruptcy

This infographic explores the differences between Chapter 7 and Chapter 13 bankruptcy, in an effort to help those seeking bankruptcy decide which of the two better suits their needs and current financ

Bankruptcy, Contractors, And Income Tax

Yes. it’s income tax season once again, and many of us in the state of Texas and across the country are enjoying the benefit of some extra cash in the form of an IRS income tax refund. However,

Why It Is Important To Have A Bankruptcy Consultation Sooner Rather Than Later

A potential client canceled her appointment with me today. That's nothing new;  happens all the time. I'm just happy she actually told me. But what floored me was her reason for canceling: S

Taxes or Bankruptcy: What To File First

  What may seem like trivial financial matters are often overlooked when a person struggling with debt files for bankruptcy. One of those matters – and especially in the weeks prior to Apri

The High Cost Of Care Is Driving Cancer Patients To Bankruptcy

  According to data from the American Cancer Society, about 1,600 people die of cancer every day in the United States, and about 1.6 million new cancer cases were diagnosed in 2015. Cancer is sti

Cancer is a Major Trigger for Bankruptcy

Struggling with Medical Debt? A cancer diagnosis can spell serious consequences for a person’s health, and raises the possibility of chemotherapy, radiation and other expensive treatments over t

Wells Fargo Will Pay More Than $80 Million to Homeowners in Chapter 13 Bankruptcy

A Chapter 13 bankruptcy has many advantages, and one of those is the ability to pay back much of your debt through a repayment plan. You will pay back your creditors under the plan, and will pay off m

When to File for Bankruptcy

You may not consider timing as of much significance, when it comes to filing for bankruptcy. After all, the rules are the same no matter which time of the year you file for bankruptcy, right? That may

New FICO Score Will Widen Credit Access

Your ability to get credit plays a major impact on your ability to recover financially after filing for bankruptcy. Remember, that your credit options are limited after a bankruptcy filing, and it is

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