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Chapter 13 Bankruptcy

Eliminating Medical Bills with Bankruptcy

One of the reasons for passing the Affordable Care Act of 2010 was to reduce health care costs and make insurance more affordable for everyone. To some extent, the ACA has been a success. Health insurance is more accessible now than at any time it has ever been in the past. Millions of people now…

What Happens to a Car In Chapter 7 Bankruptcy?

One reason that many people are hesitant to consider bankruptcy, and particularly Chapter 7 bankruptcy, is that they fear it will mean losing all of their assets. While Chapter 7 bankruptcy does involve submitting all of your assets, including vehicles, to a bankruptcy trustee so that he or she can determine what assets should be…

Bar Exam Loans May Be Dischargeable in Bankruptcy

It’s well-known that federal student loans are very difficult, if not almost impossible to discharge in either Chapter 7 or Chapter 13 bankruptcy. There is another type of education loan that is lesser known to most people that is often thought of as nondischargable in bankruptcy, but a recent decision from New York indicates this…

Just What is a Bankruptcy Trustee?

When you file for Chapter 7 or Chapter 13 bankruptcy, a trustee will be appointed to your case. The trustee is typically a local attorney experienced in bankruptcy law. The function of the trustee is to represent the estate that is created when you file for bankruptcy. The trustee is not meant to be your…

Reaffirmation Agreements in Chapter 7 Bankruptcy

The biggest difference between Chapter 7 and Chapter 13 bankruptcy is the ability to keep property that is subject to a lien, such as a home or car. In Chapter 13 bankruptcy, this property can usually be retained subject to a repayment plan if the debtor has a high enough qualifying income. In Chapter 7…

Bankruptcy Means Test Median Income Figures Changed

To file for Chapter 7 bankruptcy, you must fall within certain income guidelines. In California, you must earn less than the median state income for a household of your size. This is a key component to qualifying for Chapter 7, which may allow you to discharge certain debts. Filing for bankruptcy can provide a great…

Using the Wildcard Exemption in Your Chapter 7 Bankruptcy

Using the Wildcard Exemption in Your Chapter 7 Bankruptcy A Chapter 7 Bankruptcy is sometimes called a “liquidation bankruptcy.” This is because Chapter 7 Bankruptcy liquidates all of a debtor’s nonexempt assets in order to pay as much of their debts as possible. However, this term can be somewhat misleading in that not all of…

Who Can File for Chapter 7 Bankruptcy? The Chapter 7 Means Test

Chapter 7 Bankruptcy can help people who are in financial trouble to get rid of most of or all of their debt. In a Chapter 7 Bankruptcy, unsecured debt is often discharged, but the Chapter 7 filer has the option to surrender collateral in order to discharge secured debts or to keep the collateral and…

Pop Star Aaron Carter Files for Chapter 7 Bankruptcy for Fresh Start

Pop Star Aaron Carter Files Sometimes even celebrities need a fresh start. This month, pop star Aaron Carter filed for Chapter 7 bankruptcy. Carter was formerly a child pop star, releasing his first hit single at age 9 and the popular album Aaron’s Party (Come Get It) at age 12. With three platinum albums by…

"Melanie is the best she very responsive and helpful throughout the process everything was taken care of smoothly. If you are thinking of going through bankruptcy she is the best attorney for you. I will forever be grateful having the chance to work with her. She is very honest too."

Sandhya.

"I can't thank Melanie enough for helping me through a challenging process and doing so with incredible knowledge, professionalism and tenacity! She went to great lengths to keep me informed, she responded quickly to my questions, and communicated in terms that I could understand. I highly recommend getting in touch with Melanie should you have the need."

Carrie.

"Choosing to work with Atty. Melanie has been one of the best decisions I've ever made. She was a very patient professional to work with and attentive while providing valuable solutions to all of my concerns. If you are searching for of an Attorney who is knowledgeable, transparent, and diligent - well that's Atty. Melanie."

Marwin.

"What I liked about working with Melanie was how prompt and easy to work with she was. She made the process clear and understandable with as little stress as possible. I would work with her again and recommend her to others."

Ryan.