antioch bankruptcy law – Law Office of Melanie Tavare

Don’t Be Intimidated if a Credit Card Company Threatens to Sue You

Before your financial situation got as bad as it is, you used to read long-form articles on news websites about the horrible abuses that consumers suffer at the hands of debt collectors, whether those debt collectors represent credit card companies or healthcare providers that provided services with the full knowledge that the patient could never…

Can You File for Bankruptcy Without a Lawyer?

You do not have much money to spend, or else you would not have decided to file for bankruptcy protection. In fact, you might even be waiting until your tax refund arrives in the spring before you can afford to file. Hiring a bankruptcy lawyer sounds like a luxury. The thought might have even crossed your mind…

Is a Bankruptcy Filing Your Ticket to Retirement?

In an era characterized by the Great Resignation and where journalists have started to call young adults who have never had a paid job “the new unemployables,” people like you are an increasingly rare breed. You have a salaried job and a retirement account, and you own your house. You are in your 60s and…

The New Buy Now Pay Later Regulations

The best thing about filing for bankruptcy protection is that it discharges your eligible debts, but the worst thing about it is that you have to start rebuilding your creditworthiness from zero. Secured credit cards are a good place to start, but they have such low credit limits that, if you are living paycheck to…

Bankruptcy Protection is for Seniors, Too

Much like homeownership, a comfortable retirement is looking more and more like an outdated aspect of the American Dream. Most people leave the workforce and start drawing Social Security, not because they have enough money saved to pay their expenses until their 100th birthday, but because they are no longer healthy enough to work, and many of them…

Bankruptcy or Debt Consolidation: Which is a Better Solution to Your Debt Problems?

Even though you put a large portion of your income toward debt repayment each month, your debt balances keep getting bigger. Every time you pay off a BNPL purchase, three others appear in its place because you have no other way to pay for necessary items. Is it really worthwhile to pay the minimum payment…

Can I File for Bankruptcy if I Do Not Have a Job?

Filing for bankruptcy is always a tough decision, especially when struggling to stay afloat financially. Many debtors do not understand when they can and cannot file. One of the common questions bankruptcy attorneys hear from debtors is, “Can I file bankruptcy when I do not have a job?“ There are different rules for each type…

Will Filing for Bankruptcy Affect My Spouse?

Deciding to file for bankruptcy can be a tough decision, especially if you are married. If you are thinking of filing for bankruptcy individually, you may be wondering if doing so will have any effect on your spouse. If you are considering filing for bankruptcy without your spouse but do not know how your individual…

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…