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Bankruptcy Blog


What Are The Biggest Tax Time Mistakes That Can Also Cost You in Bankruptcy?

Jul 08, 2015 By: Mike Cibik

There are a lot of mistakes you can make at tax time. One of the biggest-in fact, it is absolutely the biggest-is to fail to file your return on time. That particular mistake can also cost you if you are in bankruptcy, or if you need to file bankruptcy.



Does a Chapter 13 Debtor Really Have to Get Court Permission to Sell Property?

Jul 08, 2015 By: Mike Cibik

A Chapter 13 debtor MUST get Bankruptcy Court permission to sell property while their Chapter 13 case is pending. In fact a debtor in ANY bankruptcy chapter must get court permission.



Can Bankruptcy Modify the Collection of Debt?

Jul 08, 2015 By: Mike Cibik

Do you receive late notices and collection letters in the mail? You probably opened them at first, but now do you just throw them in an unopened pile, hoping to deal with them later – and later never comes?



Should You Try to Keep Your Home When You File Bankruptcy?

Jul 08, 2015 By: Mike Cibik

Filing bankruptcy, of course, is a personal financial strategy that should help you and your family eliminate or restructure debt and move forward with a liveable household budget. Many bankruptcy filers own a home and usually they want to do everything possible to keep that home. In Chapter 7, this often means signing a reaffirmation…



How Many Times Can You File Chapter 7 Bankruptcy?

Jul 07, 2015 By: Mike Cibik

Chapter 7 exists to help you get out of debt quickly and easily. Tally up your bills, make sure you pass the means test, account for any non-exempt assets, and away you go. There are, however, limits on how often you can get a discharge. Under the U.S. Bankruptcy Code, you must wait 8 years…



Is Tax Withholding the Way to Balance Your Budget?

Jul 02, 2015 By: Mike Cibik

In the last week or so I’ve had no fewer than three clients tell me that they changed their payroll tax withholding to claim the maximum deductions because it was the “only way to pay the bills.” I’ve seen people do that, and tried to help them fix the consequences, for many years, but lately…


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