Find out everything you need to know about Philadelphia bankruptcy, PA divorce, immigration, etc. by reading our latest blog posts.
  • Do you and your spouse fight about money? You’re not alone. Anecdotal evidence and scientific studies both reveal the same thing – that roughly half of couples argue about money and spending, and if the couple is in debt or experiencing financial problems the arguments are generally worse. While it’s common for partners to argue about spending habits — especially when one is a spender and the other is a saver — there are also plenty of fights about who should pay for what within a marriage, and others that start with one partner trying to hide either an expense …Read More ➡

  • One of the biggest concerns and reasons why people are hesitant about filing for bankruptcy is the long-term impact that filing has on their credit report. Though a bankruptcy filing does not remain on your credit history forever or create a permanent black mark, it can definitely feel as though it does. Here’s what you need to know about the real time frame for both Chapter 7 and Chapter 13 bankruptcies, as well as some tips for improving your credit score immediately. The date that your bankruptcy gets removed from your credit score is dependent upon whether you file for …Read More ➡

  • Making the decision to file for bankruptcy can be emotional and difficult. For some it is the culmination of a long struggle to get their financial feet under them, or the end result of a series of unpredictable events such as a job loss or medical emergency. No matter what the circumstances that led to your debt, once you’re ready to move forward you need to decide whether to file for yourself or to seek representation from an attorney. Though it is certainly possible to address the paperwork on your own, most people find that an attorney makes the process …Read More ➡

  • The goal of filing for bankruptcy is twofold: get out from under insurmountable debt and get a fresh start on financial stability. Unfortunately, not everybody succeeds in that second part. In fact, a study found that 8% of people who file for bankruptcy eventually file a second time around. Though you can file for bankruptcy protection as many times as you need to (and qualify), the Bankruptcy Code does impose a minimum amount of time that must pass between filings, with those thresholds dependent upon the type of bankruptcy you originally filed for and the type you want to file …Read More ➡

  • Cars and trucks represent different things to different people. For some, it means freedom, while others have tied their identity to the car they drive. Still, others rightly view their vehicle as a tool they rely on to get their work done or to get them to or from their job, school, or other responsibilities. For all these reasons, their car is one of the top concerns among bankruptcy filers. Here’s what you need to know about how bankruptcy courts approach vehicles. If you file for Chapter 7 bankruptcy, it will automatically stop collection calls about your car and put …Read More ➡

  • There are so many reasons for getting divorced and so many ways to experience the process. If the end of your marriage represents freedom or was the result of your falling in love with somebody else, then getting remarried may be the first thing you want to do. If the divorce came as a shock or as part of a betrayal – or if the divorce itself was incredibly toxic – the idea of getting married again may be the furthest thing from your mind. Whatever your situation, preferences, or goals, it is important for you to know your rights …Read More ➡

  • Getting into debt is easy. There are many ways that it can happen, ranging from things that are out of your control like medical emergencies and job losses to simply buying more than you can afford to pay for. No matter how it happened, getting out is a lot harder. Though bankruptcy is one of the most popular options available to those with bills that they simply can’t afford to pay, it is not always the best answer. Here are some of the other debt-relief options that you can try before filing for Chapter 7 or Chapter 13 bankruptcy. Don’t …Read More ➡

  • People rarely use cash to pay for anything these days. Credit cards make consumers’ lives easier, especially now that a wave of your smart phone or watch allows you to walk away with whatever your heart desires. Unfortunately, this ease of use can lead to trouble, especially if your income can’t keep up with your spending or your needs and your credit card debt has grown out of control. Beyond shopping, if you need to pay a medical bill or have your car repaired or pay for your child’s orthodontia and you don’t have cash in the bank, a credit …Read More ➡

  • Bankruptcy is an invaluable tool for those who are facing mounting debts, but the advantages of a fresh start have to be weighed against the loss of the assets that will need to be sacrificed to the bankruptcy trustee for sale. As hard as it is to consider giving up a home, a vehicle, cherished jewelry or heirlooms, those things pale in comparison to the idea of having to give up a family pet. Still, under bankruptcy rules any animals that are owned need to be listed as assets — even your beloved dog, cat, bird, or snake The good …Read More ➡

  • Divorces that are drama-free are rare, and even if you’re the spouse who initiated the process, the experience can be painful and emotionally damaging. Getting through the process with your mental health intact is a challenge, but the tips below can help you through it. The overriding idea is to be kind to yourself: You are going through a traumatic event – and so is your partner – be forgiving of yourself when you make mistakes, and try to offer your spouse the same grace if you can. Understand that you are going to be on a constant emotional rollercoaster. …Read More ➡

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