HOW do you answer this question? Let’s check what the Bible has to say about debt. The Bible says that one should neither be a lender or borrower. It does…

CLIENT is 50, divorced and used to own a business that had a commercial lease for retail space. He operated the business for 10 years. On the 11th year, sales…

Businessman considers bankruptcy for $400K lawsuit I ASKED him if he owed any debts. He said he owed $60K of credit card debt but that they were all still current….

CLIENTis 48, married, and has a good job paying him $100K gross a year. A family emergency has caused him some financial hardship because money meant to pay for the…

“ If you are saddled with debt, now is the time to get them discharged. Better now than later when you are about to retire. ” CLIENT is 48, married,…

“ If you are saddled with debt, now is the time to get them discharged.Better now than later.” CLIENT is 48, married and has a good job paying him $100K…

FIRST client is 48 and married in the last 4 years. Husband was a foreigner who professed his love for her in so many ways. Unfortunately, his love for her…

“ The Chapter 13 trustee, unlike the Chapter 7 trustee, does not have the power to sell debtor’s house. So, in Chapter 13, there is no risk of losing debtor’s…

FIRST client is 45 and single. His gross income last year was $98K, which is good. It reached $98K because of bonus. Without bonus, his gross income is $72K. This…

FIRST client is 45 and single. His gross income last year was $98K, which is good. It reached $98K because of bonus. Without bonus, his gross income is $72K. This…

“God has come to help his people.” YOU may be surprised to find out that quite a number of dead people were resurrected. The Bible mentions some resurrections that occurred…

(Part 2 of 2) HERE are some more misconceptions about bankruptcy that we did not discuss last week: 1. Will I lose my house? Normally, debtors get to keep their…

“  An honest debtor is one who truthfully discloses his financial affairs, income and expenses, assets and liabilities in his bankruptcy petition.” HAVING literally represented several thousand clients in successful…

“Chapter 7 will just wipe out all of his potential liability for the damage caused.” Freak accident liability I THINK I want to discuss the client with the freak accident…

SOMETIMES debtors cannot decide whether they should seek debt relief through Chapter 7 wipe out of all dischargeable debts or a consolidation and reorganization through a Chapter 13. They usually…

Client filed for Chapter 7 without lawyer in 2008 did not get discharge CLIENT is 65 and a widow. Wanting some male attention, I guess, she posted her picture on the…

Senior needs Chapter 13 to stop sale of $1.0M house by judgment lien of $30K “ Don’t wait until the last minute. Credit card debt must be wiped out now…

Senior needs Chapter 13 to stop sale of $1.0M house by judgment lien of $30K CLIENT is 61. Her husband is 60. In my book, they are young seniors. They…

Formerly rich seniors need Chapter 7 relief “ We have strength for all things in Christ who empowers us – He infuses us with inner strength and we are self…

CLIENT is 64, a young senior. I say young because I consider seniors in their sixties as still active and robust. Except for more white hair, they still feel like…

Best wishes to all readers for the new year! Mr. Trump has made filing for bankruptcy relief as a sign that he’s smart. He’s smart he says because his companies…

Best wishes to all readers for Christmas! HUSBAND and wife are both 66. They were my clients 15 years ago. I do not remember how much credit cards were discharged…

Senior seeks Chapter 7 relief for $100K credit cards CLIENT is 52 and married. Her husband filed for Chapter 7 relief for $30K of credit card debts two years ago. At…

Another young senior files Chapter 7 for $10K credit cards CLIENTS are 59 and 58. Husband had a solid and well paying job for the last 20 years. He grossed…

Young couple need Chapter 7 relief for $40K credit cards CLIENTS are married to each other and they are both seniors. He is 68 and she is 66. He is a…

Widower seeks Chapter 13 for $50K credit cards CLIENT is 53 and recently widowed. She works as a caregiver and met her now deceased husband through her job. At first,…

Widower seeks Chapter 13 for $50K credit cards CLIENT is 53 and recently widowed. She works as a caregiver and met her now deceased husband through her job. At first,…

Client needs Chapter 13 to handle $50K personal guaranty CLIENTS are young seniors at 62. Husband took an early retirement as he has a serious illness. Two years ago, husband…

CLIENT is 58. He is not divorced but separated for 20 years. His income is good. He nets about $7K to $8K a month. He lives by himself and does…

Business owner seeks to discharge $40K credit cards;  Young debtor seeks to discharge $50K credit cards CLIENT is 50 and divorced ten years ago. Ex husband decided that working was…