Find out everything you need to know about Philadelphia bankruptcy, PA divorce, immigration, etc. by reading our latest blog posts.
  • Being divorced is no longer taboo, and roughly half of all marriages end up in divorce, but those facts don’t help if you’re miserable. Divorce can do a real number on your self-esteem, but you don’t have to let that happen. The tips below offer several proven methods of lifting yourself out of your gloom and helping you move forward to the next phase of your life. Practice Gratitude – It’s easy to feel sorry for yourself and think about all of the things that you’ve lost. It is harder, but infinitely more rewarding, to spend some time thinking about …Read More ➡

  • When you’re deep in debt, every financial obligation becomes a pain point. Bankruptcy provides a way out, a chance to start fresh and escape the bills and debt collectors that keep popping up like mushrooms. Still, eliminating your debts doesn’t mean that you won’t have future expenses. Your living expenses will continue, including any rent that you’ve agreed to pay. Here is what you will need to know about how filing for bankruptcy will (and will not) impact your leased housing situation. If you are currently renting an apartment or house, are current in your payments and plan to continue …Read More ➡

  • If you own your own business, you probably view it as a piece of yourself. After all, you’ve invested a huge amount of your time and money into it, as well as intellectual and emotional capital. For many business owners, the idea of losing their business feels like a death, and if that’s the case for you, filing for personal bankruptcy may feel like a very scary proposition. Here’s what you need to know. There are two ways to file for personal bankruptcy protection. Under Chapter 13 you are indicating that you can pay your bills but you need more …Read More ➡

  • Many people think that filing for bankruptcy is the equivalent of waving a magic wand that entirely eliminates their financial worries. But if you are in debt, there is a good chance that some of your financial obligations will remain with you, even after your credit card debts and other bills have been discharged. That’s because there are some debts that simply cannot be eliminated, even by a bankruptcy court. What this means is that even if you have seen your credit card bills, medical bills, mortgage and auto loans, and other personal debts waived, you will still need to …Read More ➡

  • From the time that their children are born, parents communicate to and with their children. We croon to infants to help them get to sleep or to soothe them, we enunciate our words to help model speech, we teach them about the world around them, modulating our delivery based on their age and stage of development. Some of us do this naturally while others learn by watching our partners or imitating other parents, but when it comes to talking to children about divorce, we tend to freeze up, worried that we’re going to get it wrong. The first thing you …Read More ➡

  • Though bankruptcy offers a fresh start and escape from the burden of debt, it also has several disadvantages, including a significant and long-lasting impact on your credit score. Many debtors hesitate about filing out of fear that they won’t qualify for a loan in the future. If you are concerned that filing for bankruptcy will forever crush your dreams of homeownership, we have good news for you. Things are not as bad as you think they are. Though it’s true that your bankruptcy will remain on your credit history for several years and it will take some time for you …Read More ➡

  • Your retirement years are supposed to be when you kick back, relax, and enjoy the fruits of your many years of labor. But life is unpredictable, and medical emergencies and other unexpected circumstances can lead to big bills that quickly deplete your available funds. If you’re being buried by bills and pursued by creditors, then bankruptcy may be the best answer for you. Here’s what you need to know about filing for bankruptcy during retirement. No matter when you’re considering bankruptcy, one of the first steps is determining which Chapter is the right one for you. While Chapter 7 can …Read More ➡

  • Unlike a Chapter 7 bankruptcy that wipes out all debts and provides a completely clean slate, a Chapter 13 bankruptcy reorganizes your debts into a program that is more manageable, usually by either extending the amount of time in which you can pay back your creditors, reducing the amount owed, or lowering the interest rates. Debtors who decide to file for bankruptcy don’t necessarily choose a Chapter 13 bankruptcy voluntarily: rather, their assets and income are measured against their debts in a means test. If the test determines that they have sufficient income available to pay, Chapter 13 is their …Read More ➡

  • Separation and divorce are both ways to put distance between yourself and your spouse, but they have very different effects and ramifications.  Divorce represents a legal dissolution of your marriage contract, while separation means that you are still legally married. For some, separation is a necessary step on the way to divorce, while others view separation as their end goal. Let’s take a closer look at the two. Separation provides couples time and space away from each other but still leaves both spouses’ legal rights and obligations intact. For example, couples who are separated can each still receive Social Security …Read More ➡

  • In 2020, over half a million people filed for bankruptcy, and in 2019 that number was closed to 750,000. That may seem like a lot, but experts say that number could – and perhaps should – be much higher. With approximately 14% of Americans owing more than they own, there are many more people who could benefit from filing for bankruptcy. Many of them don’t because they simply don’t understand the process or how it could help them, and one of the biggest mistakes people make is believing that bankruptcy is only for severe debt. The truth is that there …Read More ➡

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