Find out everything you need to know about Philadelphia bankruptcy, PA divorce, immigration, etc. by reading our latest blog posts.
  • If you have reached the point where you are considering filing for bankruptcy, then money is probably exceedingly short, so it makes sense that you need to know whether the process is something that you’re able to afford.  Though it’s true that a bankruptcy filing does have some out-of-pocket expenses, they are largely predictable, and the process is frequently worth it as it gives you the opportunity to get a fresh financial start and alleviate the never-ending stress that comes with debt. First, here is a list of the established filing fees and other required costs: Filing fee for a …Read More ➡

  • Ask anybody who has been through a divorce themselves, or who has somebody close to them who has gone through the experience, and one of the first things they’re likely to comment on is the tremendous expense involved. Though your focus may be on the emotional and logistical impact of ending your marriage, the divorce process itself can be remarkably expensive. The good news is that there are several practical ways to limit divorce costs. Here are some helpful hints on how to minimize divorce’s financial impact. Be cooperative with document requests. You may not want to supply the information …Read More ➡

  • There are so many reasons behind why a person files for bankruptcy. It may be a result of a catastrophic injury, a job loss, or even the after-effects of having gone through a natural disaster. Whether your bankruptcy is a result of something that happened to your or simply a matter of a series of bad decisions, the filing is your chance at a fresh start and a clean slate. But pursuing a bankruptcy is not as simple as checking boxes on a form. The process is time-consuming and requires a fair amount of effort, most of which surround the …Read More ➡

  • There are a lot of reasons why your bank accounts may be in multiple names. The most common reason is sharing a joint account with your spouse, but your name may also be on an account with an elderly parent or adult child. While all of these circumstances are extremely normal and provide flexibility and convenience, they can represent an added layer of complication if you or the other person find yourself in financial jeopardy and facing a bankruptcy. The good news is that generally speaking, ownership of a joint account belongs to the person who put the money there. …Read More ➡

  • Even the most agreeable couples’ divorces can get contentious when it comes to discussions of money and child custody, but most divorces are uncontested. This means that both spouses agree to dissolve the marriage. But what happens if your spouse refuses to sign the divorce papers? In New Jersey, if one spouse becomes nonresponsive and fails to answer the complaint or show up for court, the other can file for a default judgment of divorce. This means the spouse who wants the divorce follows a legal procedure for serving the divorce papers to their spouse, then waits a required period …Read More ➡

  • If you’re struggling to pay your bills, then filing for bankruptcy may offer the promise of a fresh financial start. But if you’re one of the 44 million people in the United States who is carrying student loan debt, the answer isn’t that easy. Federal student loans are one of the few types of debts that bankruptcy will not discharge: it can only be eliminated if you are able to successfully establish that you will never be able to repay your loans. This is known as “undue hardship,” which the courts assess through an evaluation called The Brunner Test. The …Read More ➡

  • We all know that identity theft is a growing problem: the IRS is actively warning American taxpayers about fraudulent phone calls and letters, and subscriptions to credit monitoring services are on the increase as people try to guard against being victimized. In many cases, identity theft may be linked to bankruptcy filings. Examples include: When one person in a family uses another family member’s name or Social Security Number to file for bankruptcy in order to have their debts discharged. When an identity thief uses another person’s name or Social Security Number to apply for credit and incur debt, and …Read More ➡

  • Going through a divorce is rarely a “feel-good” process, but some situations are more challenging than others. When the two parties involved in a divorce are unable to reach an agreement about issues such as the division of assets, child support and custody, or even whether to get a divorce at all, it is referred to as a contested divorce. The points of contention in contested divorces generally require intervention through the court system. The division of a couple’s debts is one of the most difficult discussions in a contested divorce. Money issues are frequently a contributing factor in a …Read More ➡

  • Being in debt is more than just a financial issue: it’s also a highly emotional one. When you’re in debt, it’s easy to feel hopeless, and hard to see a light at the end of the tunnel. A good deal of research has gone into finding the best way to pay down debt. Two frequently discussed options are the “avalanche method” and the “snowball method.” Let’s see what the research shows, and which works best for you. Both methods start with paying your minimum monthly payment on each bill to avoid paying fees. But after that, using the snowball method …Read More ➡

  • Bankruptcy is a legal tool that helps individuals and entities get out of intractable debt and get a fresh start. But despite the fact that bankruptcy is available both for personal debt and business debt, there is a big difference in the rules between the two, as well as the outcomes. Let’s look at the shared terminology, and the differences, between the two. Chapter 7 Bankruptcy Whether you are filing for personal bankruptcy or a business bankruptcy, when there’s no hope of debts being repaid, the bankruptcy filing falls under Chapter 7. When an individual files for bankruptcy, they must …Read More ➡

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