We’ve started this blog to help others like us get out of debt. We ‘ll be talking about ways to get organized, cut spending and creating a budget. We want your comments and suggestions to help others around the world become debt free. With everyone forecasting doom and gloom for the economy, now, is the time to start preparing for your financial freedom.A bad check, hot check, NSF check, returned check, rubber check, worthless check, or whatever you want to call it, is a check which the bank will not pay because there is either no such checking account or insufficient funds in the account to pay the check. In Texas, writing a bad check is a [...]

Excellent resources on debt relief. Overcome debt problems with a debt consolidation loan. Guides on choosing the best debt relief program for you: debt consolidation vs debt settlement.I have previously written about automatic stay in Chapter 7 Bankruptcy and Chapter 13 Bankruptcy, and divorce, and domestic support obligations.  While divorce is handled in the New York State Supreme Court, once in a while, a family court petition seeking child support or spousal

Valuable information to help you get debt free and stay that way. What can help your personal finances and what can’t. World events as they relate to your finances. Comment, news, and general mayhem.One of the most common questions I hear from clients is whether they are able to keep their bank accounts while they are in bankruptcy, or to open new accounts after bankruptcy.   My usual answer to that question is that there is nothing under bankruptcy code that would prevent a

Excellent resources on debt relief. Overcome debt problems with a debt consolidation loan. Guides on choosing the best debt relief program for you: debt consolidation vs debt settlement.I have previously written about the requirements that a debtor must meet in order to file for Chapter 7 Bankruptcy.  As long as the debtor is able to meet the means test and disposable income test, the debtor can file for Chapter 7 Bankruptcy. However, there are a number of conditions

Excellent resources on debt relief. Overcome debt problems with a debt consolidation loan. Guides on choosing the best debt relief program for you: debt consolidation vs debt settlement.One question that I am often asked is whether the unsecured second or third mortgage on the property owned by the debtor can be stripped in Chapter 7 Bankruptcy.  In Chapter 13 Bankruptcy, the unsecured second mortgage can be stripped by bringing a Ponds motion.
Unfortunately,

Valuable information to help you get debt free and stay that way. What can help your personal finances and what can’t. World events as they relate to your finances. Comment, news, and general mayhem.Periodically, I meet with debtors who own either second vehicles or motorcycles, and would like to keep them, after either Chapter 7 Bankruptcy or Chapter 13 Bankruptcy filing.  Filing for either Chapter 7 Bankruptcy or Chapter 13 Bankruptcy doesn’t always mean that you have to

Get out of debt does what it says, it gives straight, honest and caring advice about how to beat debt and get out of debt. Here you’ll find the best deal with your debt.I frequently meet with debtors who tell me that they are thinking about filing for bankruptcy, but have concerns since they may need a new car in the near future.  I am usually asked if a new car or used car should be purchased prior to filing for bankruptcy protection.  As a bankruptcy

Get out of debt does what it says, it gives straight, honest and caring advice about how to beat debt and get out of debt. Here you’ll find the best deal with your debt.I am often asked whether the debtors here in Rochester will get to meet the Bankruptcy Court Judge during their 341 meeting, otherwise known as the meeting of the creditors.  My usual response to this question is no, since the bankruptcy court judges are barred by law from attending

Excellent resources on debt relief. Overcome debt problems with a debt consolidation loan. Guides on choosing the best debt relief program for you: debt consolidation vs debt settlement.Periodically, I see debtors who have moved recently to Rochester, New York, or nearby, from another state who wish to file either Chapter 7 Bankruptcy or Chapter 13 bankruptcy. The critical issue in those situations is to determine what state’s bankruptcy exemption laws, if

We’ve started this blog to help others like us get out of debt. We ‘ll be talking about ways to get organized, cut spending and creating a budget. We want your comments and suggestions to help others around the world become debt free. With everyone forecasting doom and gloom for the economy, now, is the time to start preparing for your financial freedom.I often receive phone calls from people in Rochester and elsewhere in Western New York who are facing a potential eviction involving a commercial or residential lease.  Usually the debtors do not know what their bankruptcy options are and are seeking advice how to proceed.
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