When it comes to debt, bankruptcy lawyers have seen it all.

As professionals who fight for the financial well being of consumers everyday, bankruptcy attorneys are uniquely suited to answer your questions about debt and personal finance.

Whether you’re not sure how best to deal with mounting personal debt, don’t understand your state’s laws or are facing some other money problem, a bankruptcy lawyer can likely point you in the right direction.

With hundreds of member attorneys nationwide, the National Bankruptcy Forum is a leading provider of information for consumers looking for solutions to their debt problems.

Payday Lending Pitfalls

Payday Lending Pitfalls

With the holidays approaching, people of every income range will be buying gifts for others. For many, this is just an added year-end expense. Others who feel the pressure to give to family and friends but don’t have the money may look for other ways to fund this seasonal expense. The ads for “payday” loans […]

Can I pay back family before bankruptcy?

Can I pay back family before bankruptcy?

In times of difficulty, we naturally turn to family and friends for help. The same holds when those difficulties are financial. Family and friends know you and understand your troubles; they’ll be willing to lend you a hand even when banks won’t. They trust you regardless of your credit score. If you borrow from people […]

Gift or loan, and why does it matter for bankruptcy?

Gift or loan, and why does it matter for bankruptcy?

When you’re struggling with debt, it’s natural to turn to friends and family for help. They know you and they trust you, making it simpler and easier to seek financial aid from them than from a bank. If your financial difficulties continue and you decide to file for bankruptcy protection, what happens to the friends […]

IRS Sanctioned for Willful Violation of Discharge Order

The Bankruptcy Discharge Applies Even To The Federal Government Creditors who attempt to collect on debts that have been discharged in bankruptcy often find themselves in serious hot water with the Bankruptcy Court.  Bankruptcy judges take the discharge order very seriously and will dish out punishment to those who ignore its prohibitions against continued collection […]

Make Paying Credit Card Debt a Low Priority in Rough Financial Times

Make Paying Credit Card Debt a Low Priority in Rough Financial Times

Should I Pay My Credit Card Bills? The economic downturn caused people from all walks of life to turn to their credit cards as a life raft, hoping they could keep bills current with the plastic until a new job came around. Thankfully, sometimes that new job does pop up and the credit card bills […]

How to Screw Up Your Bankruptcy Discharge

Grounds For Objecting to the Bankruptcy Discharge In the vast majority of cases, the bankruptcy discharge is the primary reason debtors enter the Bankruptcy Court. After all, people file bankruptcy to get rid of debt and a federal court order is certainly an effective way of making this happen. However, receiving a discharge is not […]

How to Keep Your Tax Refund and File for Bankruptcy

How to Keep Your Tax Refund and File for Bankruptcy

How to Keep Your Tax Refund and File for Bankruptcy It’s that time again!!!  Tax Season!  You are looking forward to receiving a big tax refund check and you are also working hard to get your bankruptcy case filed.  So, what happens to your tax refund in a bankruptcy case?? We’ve said it time and again […]

How to Pay Off High Interest Credit Card Debt

Follow These Steps to Pay Off Your Credit Card Debt Perhaps like many Americans your New Year’s resolution involves paying down credit card debt. After all, even the most ardent supporter of the plastic hears that little voice in the back of their head “credit card interest rates are a huge ripoff, I shouldn’t use […]

E.D.N.Y. Approves Debtor’s Chapter 20 Lien Strip

Lien Stripping in Chapter 13 Bankruptcy For our readers playing along at home, the basic rule with mortgage modification in bankruptcy is as follows: first mortgages on a debtors primary residence cannot be modified by filing for bankruptcy, however, second, third and other junior liens can be modified or “stripped” by filing for Chapter 13 […]

Wage Garnishment Must Stop After a Bankruptcy Case is Filed; You Might Even be Able to Get Money Back

Bankruptcy Stops Wage Garnishment The minute a bankruptcy cases filed, an injunction called the automatic stay is issued, which prohibits creditors from trying to collect on debts that were included in the bankruptcy. The Ninth Circuit Court of Appeals has called the automatic stay “one of the most important protections in bankruptcy law.” The automatic stay […]