The means test was developed to ensure that the only people who file for Chapter 7 bankruptcy are those who truly do not have the ability to pay back their debts. There are many factors that go into...
There are not supposed to be debtor’s prisons in the United States. That's what bankruptcy is for. However, debt collectors have found a legal dirty trick to send a debtor to jail. Though it...
Has anyone made you feel that by filing for bankruptcy you are taking the easy way out? That judgmental attitude is not only incorrect, it can be harmful if it keeps you from getting the help you...
When you hire a bankruptcy attorney, you are putting your financial future into that person's hands. Not only that, but you will be required to show that person all of your finances. If you're like...
When they hunt, predators don't look for strong or healthy prey -- they seek out easy, unsuspecting victims. This is true both in the animal world and in the financial world. When times get tough,...
When faced with crushing debt and no light at the end of the financial crisis tunnel, many folks turn to bankruptcy in order to protect themselves from over-zealous creditors, collection agencies,...
You've suffered a financial crisis and there's much more worry and uncertainty than money. The collection agencies call every day, especially at the wrong times. The phone begins to ring soon after...
If you are in financial distress and considering filing for bankruptcy, you are no doubt wondering what bankruptcy will do to your credit score. Will it permanently damage your credit score? How long...
After the mortgage crisis of a few years ago, it is more difficult for people to obtain a home loan. This is especially true for people with credit issues. So if you aren’t a home owner and are...
You've heard it stated time and time again until it repeatedly drones in your head like a mantra; just make a budget and live within your means. At Behm Law Group we agree that everyone should live...
We live in a do-it-yourself society. You can find information on the Internet for doing everything from changing your engine oil to playing a jazz riff on the piano. However, there are some things...
There's a reason that the minimum payment on a credit card is so low, and it isn't because the big credit card companies care about you or your finances. The minimum payment on a credit card may be...
