What Are The Two Bankruptcy Classes A Consumer Debtor Must Take?

Two Bankruptcy Classes/Certificates There are two classes that a consumer bankruptcy debtor must take to file bankruptcy and then obtain a discharge of debt.  The first class is described as “Credit Counseling”.  The second is for “Debtor Education”. CREDIT COUNSELING: 

Where Can I Find Free or Reduced Fee Legal Services? Check Here

There are many resources available if you need free or reduced fee legal services.    Please check the list here and contact the appropriate service provider.    If you still have questions, please feel free to contact my office and we will

What Does the County Say Your Home is Worth? (Clark & Cowlitz)

Real Property Valuation Part of determining the best course of action to resolve a financial issue includes a review of your assets and liabilities.   A home is normally a person’s biggest asset.  Therefore, it is important to know both the

Am I Disqualified From HAMP Mortgage Modification If I Did Not Reaffirm My Loan In Chapter 7?

You Are NOT Disqualified From HAMP Modification Clients will sometimes tell me that their mortgage company/servicer told them they do not qualify for a mortgage modification because the client did not reaffirm their mortgage in the Chapter 7 case.  That

Can A Married Person File Bankruptcy Without Their Spouse?

YES, if you are married, you can still file a a bankruptcy on your own.   You do not have to file with your spouse. Why Might A Spouse Want to File Bankruptcy Without The Spouse It is not uncommon for

Your Credit Score & Bankruptcy: Sometimes It Goes Up (162 Points!)

  162 Point Increase Projected People often ask me how filing bankruptcy will impact their credit.  Well, in this particular case, CreditExpert predicts this client’s creditor score will increase by 162 points in the 12 months after filing bankruptcy.   View

How Big is Your “Household Size” For Purposes of the Means Test?

Means Test “Household Size” And Why You Care The quickest and easiest way to understand why you care about “household size” is to think about the Means Test as a budget.  With the Means Test, the larger the “household size”

Chapter 13 Plan Payment – New Automatic Payment Option

Chapter 13 Payment Via Bank Account Deduction The Chapter 13  Trustee now accepts plan payments through automated bank account deductions.    The Trustee sill prefers payment via wage deduction.  However, in situations where a Debtor is self-employed or has other

Family Law and Bankruptcy: A Few Collected Points

  Family Law Section – Clark County Bar Association Hilton Presentation: 2-13-14 On February 13, 2014, I gave a presentation to the Family Law Section of the Clark County Bar Association.   It was a lively crowd and  I had

Do You Pass The Means Test (And Qualify For a Chapter 7 Discharge) ?

A Debtor’s Ability To Pay Debt People have a lot of questions about the bankruptcy “Means Test”.    The “Means Test” was added to the Bankruptcy Code in 2005 by the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA).   Generally, the