Tag Archives: ch 13

First Meeting of Creditors for Ch 7 & Ch13 – What to Expect?
When I mention to clients that they will be required to appear at a 341 First Meeting of Creditors after we file their bankruptcy, most of them cringe and become nervous immediately. They imagine a Meeting where they are interrogated and questioned about every aspect of their case. In El Paso, the these meetings are nothing to be nervous about....
Will a Pending Divorce Screw Up Your Chapter 13 Bankruptcy?
Once your Chapter 13 has been confirmed you have a sense of relief because your financial chaos is finally under control. Your home is secure, your vehicles are secure.  You're feeling pretty good about life, as you should. In your Chapter 13 you have between 3 years and 5 years to make your plan payments before your case is discharged.  Often the stress and strain of finances puts a tremendous strain...
Chapter 13 Bankruptcy – To Buy or Sell – You May Need Permission
Filing for bankruptcy for many is the most difficult decision they will ever have to make.  It is something completely foreign and new to them.  Due to the fact that bankruptcy has such a stigma many people don't discuss it and don’t really understand what bankruptcy is all about.  If you take the step in the direction of bankruptcy remember that if you are in a...
Your Chapter 13 was Dismissed………….Now What?
We often have initial consultations with people who have already filed a previous Chapter 13 case. These folks are normally in a panic because they're afraid of losing their home again; the threat of foreclosure and repossession of their vehicle(s) is very real. If you filed Chapter 13 and there was a reasonable explanation as to why you were unable to fulfill...
Are You Spending Too Much Time with a Foreclosure Specialist?
Many people are being faced with the horrible experience of receiving a foreclosure notice. It must be devastating and so your heart pounds in your chest, beads of sweat develop on your forehead and your hands start to shake. All this emotion and yet you knew it was coming. Knowing but not really understanding what to expect.  Many people I've found are in denial, rejecting the possibility anything bad will happen at...
Lifestyle Changes After Filing Bankruptcy
I have been working with people who have filed bankruptcy (Chapter 13) for about three years now.  I never really understood the stress and hardship that bankruptcy can put on a family.  It has made me more aware of how to deal with my own finances and to appreciate what I have. Lifestyle changes can be hard especially when you are used to a particular lifestyle.  When you are faced with having to...
Bankruptcy Lawyers VS. Lawyers Practicing Bankruptcy Law
My Dad has really had his hands full - he’s been an incredible caregiver to my Mom who unfortunately has the dreaded disease Alzheimer’s.  He finally hired Judy to clean once a week for a couple of hours and she has also helped care for Mom with love and kindness. Judy, hard working, a single mom, cleaning houses and  waitressing to help support her daughter get through...
Are You Fearful of Your Upcoming 341 – First Meeting of Creditors??
When I mention to clients that they will be required to appear at a 341 First meeting of creditors, most of them cringe and become nervous immediately. They imagine a Meeting where they are interrogated and questioned about every aspect of their case.  In El Paso, the Creditors Meetings are nothing to be nervous about. I explain to my clients from inception that their 341...
LOAN MODIFICATION’S DEADLY TRAP – FORECLOSURE
Many of our clients  had received phone calls from their ‘lender’ (before they were clients) who at the time  sympathized with the fact they were behind on their mortgage payments. These folks are  often told there is a solution for their problem. The lender then proceeds to give the client a long drawn out procedure to follow. At this point, the client has stopped making mortgage payments...

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