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Bankruptcy Blog

Bankruptcy-Affecting-Children

How can bankruptcy affect my children?

Jul 21, 2015 By: Mike Cibik

1. STRESS: Being deep in debt, receiving harassing calls from creditors, being threatened with garnishment, repossessions and foreclosure will often cause you and your spouse to experience overwhelming stress and anxiety. Your children, even young ones, also feel the stress. It affects their school work and their emotional and physical health Uncontrolled debt often leads…

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Bankruptcy-a-new-day

Can Bankruptcy Be A New Day?

Jul 21, 2015 By: Mike Cibik

I’ll admit that most of my clients never wanted to come see me. Most of my clients are embarrassed by the fact that they even have to ask about filing bankruptcy. Struggling with debt is hard and it can literally suck the life right out of you. For most, it seems like the end of…

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Wild-Card-Exemption

What is the Wild Card Exemption?

Jul 21, 2015 By: Mike Cibik

In states that haven’t opted out of the federal exemptions, such as Massachusetts, there exists something referred to as the “wild card” exemption.

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What is the First Costly Emotion That Keeps You In Debt and from Filing Bankruptcy?

Jul 21, 2015 By: Mike Cibik

Emotions, not reasons, keep people from filing bankruptcy and starting fresh.

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File-for-bankruptcy-again

When Can I File Bankruptcy Again?

Jul 15, 2015 By: Mike Cibik

There is no limit on the number of bankruptcy cases that one may file. In fact, there is no limit in between time frames to file bankruptcy. Nevertheless, if sufficient time between filings does not take place, you may be not be eligible for “discharge.”

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Save-money

How to Save $1,000 Per Month

Jul 15, 2015 By: Mike Cibik

First, maybe your goal isn’t $1,000 per month. It might be $500 a month-and it might also be a higher number like $1500 per month. What you need to save depends on your financial circumstances (income, children, years to retirement, other financial needs, etc.). But let’s call your “number” $1,000 a month for purposes of…

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