Practice Areas

The Bankruptcy Abuse and Consumer Protection Act of 2005 went into effect on October 17, 2005 and provides the most significant (and controversial) overhaul of the bankruptcy system…

In 2005, Congress added means testing to the bankruptcy law in an effort to minimize abuse of the Chapter 7 process. The means test diverts people who the…

Debt reorganization involving repayment of at least a portion of your debts. This type of bankruptcy is for people who don’t qualify for relief under Chapter 7 either…

Also known as a fresh start bankruptcy. This type of bankruptcy is usually appropriate for people who have a lot of credit card debt and/or medical bills or…

In order to protect consumers from harassment by unscrupulous debt collectors, Congress enacted the federal Fair Debt Collection Practices Act (FDCPA) and placed limitations on debt collectors in…

Before filing for bankruptcy, it is wise for debtors to attempt to negotiate with their creditors either directly or via a third party. Particularly since the onset of…

One of the hallmarks of the current financial downturn is the number of properties in foreclosure. Not since the Great Depression have more families been at risk of…

There is a lot of talk on TV and from financial advisors about “good debt” and “bad debt.” But, money is fungible and debt is debt. That is,…

The decision to file for bankruptcy is often one of the hardest choices that a person has to make in his or her lifetime. Poor planning can often…

Small businesses are the lifeblood of the American economy but that doesn’t ensure success for all; in fact, small businesses carry with them a huge risk of failure.…

One of the protections provided to debtors who file for bankruptcy is an automatic stay of most collection efforts, including wage garnishments. Filers may even be able to…

For over two decades, the National Association of Consumer Bankruptcy Attorneys has served as the nation’s leading organization devoted to protecting the rights of consumer debtors during the…