contact us now For A

Free Consultation!

Bankruptcy Blog

How Can Your Fiancee Lose the Engagement Ring in Your Bankruptcy Case?

May 05, 2019 By: Michael A. 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.  Often, heaven and earth will be moved in the search for the proper ring, and the result could be a very expensive engagement ring.  If the…

Read More...

Budgeting After Bankruptcy–How Do I Save $1,000 per Month?

May 02, 2019 By: Michael A. 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…

Read More...

Was Bank Of America Sanctioned For Discharge Violation?

Apr 30, 2019 By: Michael A. Cibik

Bankruptcy Judge Arthur B. Briskman recently smacked Bank of America to the tune of $12,500.00 for violating a debtor’s discharge.  The award included $2,500.00 in attorney’s fees.  Shockingly, Bank of America did not attend the evidentiary hearing set by the Court.  However, even if they did attend, I doubt there was much they could have…

Read More...

What Can You Do If You Are Upside Down In Your Car Loan?

Apr 27, 2019 By: Michael A. Cibik

If you find yourself owing substantially more to your car lender than your vehicle is worth, you do have options. First, you need to look at this problem in financial terms. For example, if you owe $30,000 on a vehicle worth only $15,000 today, you effectively have $15,000 unsecured debt, just as if you had…

Read More...

woman sitting at table working on finances

How Do I Go About Rebuilding My Credit Score?

Apr 25, 2019 By: Michael A. Cibik

I have always referred to bankruptcy as a tool in the toolbox. In other words, bankruptcy is but one step toward fixing your financial troubles. You must also think in terms of life after bankruptcy, and rebuilding your credit will help to stabilize your financial future. However, by the time the bankruptcy is completed, debtors…

Read More...

Is Tax Withholding the Way to Balance Your Budget?

Apr 15, 2019 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…

Read More...



Bankruptcy Law Awards/Associations

We are a debt relief agency that helps people
seek bankruptcy protection under federal law

Top