A reporter recently asked how is it possible that people making more than $100,000 per year are living pay check to pay check? And struggling to get by just like you are. As a bankruptcy lawyer who has helped many people over the years and as a … [Read more...]
When Should I Talk to a Bankruptcy Lawyer?
It may be sooner than you think! Check out this article for a fantastic discussion of when you should talk to a bankruptcy lawyer. … [Read more...]
Factors That May Cause Your Bankruptcy Petition to Be Dismissed
If you are struggling to meet your financial obligations and have considered filing for bankruptcy protection, or if you are already in bankruptcy, you need to be careful not to engage in activities that will cause the bankruptcy court to dismiss … [Read more...]
New Streamlined Loan Modification Promises To Take Paperwork Out Of Mortgage Modification
The Federal Housing Finance Agency (the agency created to oversee Fannie Mae and Freddie Mac) have just implemented a new process for obtaining a mortgage payment. The process, called “Streamlined Modification Initiative” stands to take the headache … [Read more...]
Should You File a Joint Bankruptcy Petition if You Are Married?
Under the bankruptcy law, if you are married, you can choose to file a joint bankruptcy petition, or you can file individually. Before you file, you need to take a careful look at your situation and what you want to accomplish, so that you take the … [Read more...]
What Debts Can Be Discharged Through a Chapter 7 Bankruptcy Filing?
If you are struggling to pay your bills, you may be considering bankruptcy as a way to get a fresh financial start.. There are limits, however, on what debts may be discharged in a Chapter 7 or Chapter 13 filing. You want to know what debts you can … [Read more...]
John Hargrave Quoted in Bankruptcy Myths Article
John Hargrave was recently quoted in an article concerning common bankruptcy myths. Read the full article, "5 bankruptcy myths busted." Located in Barrington, New Jersey, John Hargrave & Associates has helped people toward a fresh financial … [Read more...]
Identity Theft: A Major Cause of Bankruptcy Filings
As more and more people use electronic means to pay their bills and do their banking, many are finding themselves victims of identity theft. A hacker gets access to your personal information, including Social Security number, and runs up significant … [Read more...]
The Impact of a Bankruptcy Filing on Your Credit Score
You have worked really hard to build and maintain a solid credit record, but have faced significant financial challenges in the last year or so. Maybe you had an illness or injury that kept you from working. Maybe you went through a divorce, or lost … [Read more...]
Debt Settlement vs. Debt Consolidation
If you are struggling financially, weary of the incessant calls and letters from creditors, you have likely seen advertisements on television or the Internet offering debt consolidation or debt settlement. These are two distinctly different programs, … [Read more...]