How Do I Know if Bankruptcy is Right for me?

It is a shame that an American middle-class family feels that it must ride out the fiscal crisis by itself while the largest corporations and wealthiest individuals in America utilize the government laws to their advantage. Reasons why someone may choose bankruptcy Most of my bankruptcy clients are middle-class families with both spouses working, own […]

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Understanding Chapter 7 Bankruptcy

It is time that we begin to understand that filing for Bankruptcy protection is not dishonorable.  Sometimes circumstances in life and business lead to serious financial situations.  The Government, understanding that individuals need help to get back on the path of financial stability, has created “The Fresh Start”. They understand that often Bankruptcy is the […]

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Can Student Loans be Discharged in Bankruptcy?

Most government backed student loans are not discharged in Bankruptcy.  However, there may be instances where paying student loans can cause undue hardship on the debtor.  As a result, debtors may be able to prove undue hardship using the Brunner test. The Brunner test requires a showing that (1) the debtor cannot maintain a minimal standard of living if […]

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