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Lawrence & Associates Accident and Injury Lawyers, LLC Bankruptcy Explained Series Archives

October 13, 2015
A Debt Collector Threatened Me with Fraud and Jail. Can They Do That?

has told you before about creditor harassment, and with a list of things the creditor can and cannot do. We’ve also talked repeatedly about illegal scams where someone calls and pretends to be a debt collector in order to swindle you out of money. This post is slightly different. Here, we talk about the debt […]

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August 24, 2015
The Dangers of Co-Signing for Debt

Everyone knows it is dangerous to co-sign for debt. Often, relatives with good credit ratings are asked to co-sign for relatives with bad credit ratings or too little credit. If one person defaults on the debt, then the other is responsible for the loan. It does not matter that the original person is available to […]

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July 29, 2015
If I’m Struggling With Bills, Which Should I Pay First?

Many of our clients are facing the same problem: there isn’t enough money to go around, and they are robbing Peter to pay Paul. Some clients come in for bankruptcies after some financial calamity and are juggling credit cards just to put food on the table. Others come in for an injury, following a car […]

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March 20, 2015
Bankruptcy Explained: Personal Bankruptcy Can Stop the Repossession Action and In Some Cases Get Vehicles Returned.

If you have fallen behind on your car payment and face the threat of repossession, or if your car has already been repossessed for non-payment, a personal bankruptcy filing can stop the repossession action and, in the right circumstances, allow you to recover your vehicle. You want an experienced attorney to handle these matters for […]

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March 13, 2015
Bankruptcy Explained: Stopping Foreclosure Through Bankruptcy or Loan Modifications

If you are struggling financially and have not been able to keep up with your mortgage payments, a personal bankruptcy filing under Chapter 7 or Chapter 13 can suspend foreclosure actions and help you get a fresh financial start. There are also ways that you can avoid foreclosure without filing for bankruptcy. You want an […]

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March 6, 2015
Bankruptcy Explained: Protecting Your Paycheck From Creditors

If you have received notice that a creditor is suing for the right to garnish your wages, or if they have already begun to deduct money from your paycheck, it is time to seriously consider your options in bankruptcy. Many people find themselves facing wage garnishment when they were already having trouble paying all their […]

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February 26, 2015
Bankruptcy Explained: Can Debt Consolidation Protect Me from Creditors?

A consolidation or “workout” is an attempt to modify one or multiple debts without the need for bankruptcy, usually through a debt consolidation agency. The main issue with a workout is that most debt consolidation companies don’t provide local creditors with a contract that enforces the agreement. Without a Contract Your Workout Can’t Be Enforced  […]

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February 18, 2015
Bankruptcy Explained: Understanding Property Exemptions – Keeping Your House and Car

If you file a Chapter 13 Bankruptcy, you can always keep your property. If you file a Chapter 7 Bankruptcy, the United States bankruptcy code allows you to keep your house, keep your car, and keep your property so long as your equity in that property is below certain thresholds at the time the bankruptcy […]

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February 13, 2015
Bankruptcy Explained: What Actions Can a Creditor Legally Take to Collect A Debt?

A good bankruptcy attorney can protect you from abusive and threatening creditors. Creditors are notorious for using threats, intimidation tactics and false information in order to scare debtors into making payments. The truth is, regardless of your ability to pay, or what a creditor may claim, there are certain actions they cannot legally take. When you […]

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February 6, 2015
Bankruptcy Explained: What Type of Bankruptcy Should I File?

Advice from an attorney is your best bet when deciding if you should file a Chapter 7 or Chapter 13 bankruptcy.  Are you facing foreclosure from a bank like Wells Fargo, being sued for medical bills by a hospital like St. Elizabeth, or confronting a mountain of Capital One credit card debt? Filing a Chapter 7 […]

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Last Updated : February 20, 2019
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