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Can You Go to Jail For Not Paying Your Bills?

Jul 13, 2015 By: Mike Cibik

Let’s start with the basics. Debtor’s Prison is jail time for failing to pay a bill. There is a famous line in the Charles Dickens’ story, A Christmas Carol, as he is asked for a donation to the poor and he retorts. “Are there no prisons? Are there no workhouses?” If you did not pay…

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credit-card-debt

More Ways to Blow Your Chance to Wipe Out Credit Card Debt

Jul 13, 2015 By: Mike Cibik

There are two basic ways to blow your chance to discharge the balance on your credit card in bankruptcy: 1. Lie on the credit application to get the credit 2. Use the card fraudulently Use the card fraudulently Credit card charges may survive a bankruptcy filing if they were incurred by false representations or actual…

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credit-card-debt

Ways to Blow Your Chance to Wipe Out Credit Card Debt

Jul 13, 2015 By: Mike Cibik

Somewhere in our recent past, the holiday season became the shopping season. Lots of people in financial trouble hang on through the holiday season before taking up bankruptcy as part of the New Year. (I haven’t seen many people give themselves a bankruptcy filing for Christmas, though, for many, it would be objectively the best…

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lose-engagement-ring-to-bankruptcy

Can I lose my engagement ring in bankruptcy?

Jul 13, 2015 By: Mike Cibik

Even men with debt problems fall in love, and when they do, many of them will come up with a way to give their beloved a nice engagement ring.

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debt-collector

After Bankruptcy Filing, Beware of Phony Debt Collectors Who Threaten Arrest

Jul 13, 2015 By: Mike Cibik

Folks frequently come in to talk about bankruptcy and are very concerned that an arrest warrant may be issued as they haven’t paid their debts – either before filing bankruptcy or even after filing for bankruptcy. They have heard about phone calls or emails from debt collectors (or have even gotten those kind of threats)…

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save-your-IRA-before-bankruptcy

Can You Save Your IRA or 401(k) before Bankruptcy?

Jul 13, 2015 By: Mike Cibik

The title just about says it all. It’s a really sad thing to get a call from someone asking for bankruptcy who has already spent all their retirement funds trying to avoid bankruptcy. You can’t get it back. And if you still need bankruptcy, you still need bankruptcy. However, as many know, IRA’s and 401(k)…

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