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Credit Card Purchases: Why Calculating Interest Is the Most Important Step You’ll Ever Take

Credit cards are ubiquitous in American society. We get offers to take out a new credit card when we turn eighteen, prisoners get offers to take out credit cards while they are still in jail, and even the recently deceased still get offers to take out a credit card well after the day they died. It … [Read more...]

The Injured Plaintiff’s Bankruptcy — Pitfalls for the Civil Litigator

Justin Lawrence recently wrote an article for the Advocate, Kentucky’s trial lawyer community’s premier publication, about what needs to be done when a person who is injured by an automobile accident, slip and fall, or workplace injury files for bankruptcy while their lawsuit is still … [Read more...]

What are the effects on my spouse if I file bankruptcy?

In this video, Justin Lawrence talks about the effect on a non-filing husband or wife when their spouse needs to file bankruptcy. What happens to their assets? Which debts get discharged? And what happens to the non-filing spouse’s credit score? Watch this video to find those answers and more! … [Read more...]

How Long Do I Have to Wait Between Bankruptcies?

In this video, Justin Lawrence discusses the complicated rules governing how long you must wait between bankruptcy filings, depending on what kind of bankruptcy was filed previously (Chapter 7 vs. Chapter 13), what kind of bankruptcy is being filed now, whether a discharge occurred in the prior … [Read more...]

How does filing bankruptcy affect my credit score?

In this video, Justin Lawrence addresses a problem many people worry about before filing bankruptcy:  the effect that filing bankruptcy will have on their credit score.  Several rules of thumb are given that address when the opportunity to take out a loan will become available, how long interest … [Read more...]

The Dangers of Taking Out Debt Before Filing Bankruptcy

Justin Lawrence from Lawrence & Associates talks about the dangers of taking out debt before filing bankruptcy, including the 90 day presumption of abuse used by bankruptcy courts to discourage the use of credit cards and loans within 90 days before filing a bankruptcy. This video applies to … [Read more...]

Two Steps to Preserve a Claim When a Tortfeasor Files a Bankruptcy

Check out this article written by Justin Lawrence, in which he discusses how an injured person can preserve their claim when the person who hurt them files for bankruptcy.  Many lawyers cannot practice in both bankruptcy and in injury areas of practice (such as personal injury, workers’ … [Read more...]

The Difference Between Chapter 7 and Chapter 13 Bankruptcy

In this video, Justin Lawrence from Lawrence & Associates describes the basic differences between Chapter 7 and Chapter 13 bankruptcy in a nutshell. Chapters 7 and 13 bankruptcies are the kinds of bankruptcy that are available to most consumer debtors, which includes nearly every individual … [Read more...]

Bankruptcy Can Stop Wage Garnishments and May Offer Refunds

This week, our bankruptcy web video series explains how a Chapter 7 or Chapter 13 Bankruptcy can stop a wage garnishment.  Justin Lawrence, the founder of Lawrence & Associates, explains how a bankruptcy can even force the company garnishing your wages to return your money to you if the … [Read more...]

How to Protect Your Tax Refund When You File Bankruptcy

In the newest video in our bankruptcy web video series, Justin Lawrence of Lawrence & Associates explains how bankruptcy filers can keep a tax refund in either a Chapter 7 or a Chapter 13 bankruptcy, and how the tax refund can be used to pay necessary bills or even for the bankruptcy … [Read more...]