• Every client deserves competent advice in order to plan their life, but they also need to be able to avoid unforeseen results.  They also deserve to be treated with respect and compassion by everyone involved [...]

  • Published On: April 30, 2020

    lawyer, retired law professor, educator, wife, mother I could tell you how bankruptcy may change your life, but why would you listen to me? After all, I am the attorney who charges money [...]

  • Published On: April 18, 2019

    Ever wonder why you make really stupid decisions, especially when you are overwhelmed, worried or distracted? Perhaps you are focused on one task, like dealing with a difficult child or employer, and you completely miss [...]

  • Many people do not understand the consequences of filing multiple bankruptcies.  It is very important to know that every bankruptcy filed (even if the process is not completed) will stay on the credit for ten years. [...]

  • Arizona adopted a chapter 13 model plan – effective for all cases filed or converted after December 1, 2017 Local Rules 2084 Chapter 13 Model Plan According to the Arizona Bankruptcy Court the failure rate [...]

  • Published On: April 4, 2018

    How long after bankruptcy do I have to wait before buying a home? So many questions about bankruptcy. Anyone who either filed for bankruptcy or is considering it has asked “how long before [...]

  •   Fairy tales are not the way to make adult decisions. We know that most fairy tales are fables designed to teach children a healthy respect for rules and society’s expectation.  Some fairy [...]

  • In re Sundquist v. Bank of America, Case No. 10-35624 (Bankruptcy court, E.D. CA. 1/18/18) Bank of America, with a gun to the Sundquists’ heads… This motion to dismiss began as a hostage standoff. Bank [...]

  • Published On: February 23, 2018

    By Cathy Moran  (Summary from Ms. Moran’s blog, link below to full blog post)  Ms. Moran is a tireless champion for the education and protection of the consumer. “Facing financial trouble, there are only three [...]

  • Published On: February 21, 2018

    Pamela Foohey, Indiana University Maurer School of Law Robert M. Lawless, University of Illinois College of Law Katherine M. Porter,  University of California – Irvine School of Law Deborah Thorne,  University of Idaho Date Written: February 20, 2018  [...]

  • Published On: February 5, 2018

    Some creditors may be paid through the bankruptcy, others are not so lucky. Some creditors are secured against collateral, such as a car or house; while others are unsecured, such as a credit card or [...]

  • According to an article in Forbes, the 65+ demographic now makes up a higher percentage of bankruptcy filers than it did a decade ago. Filing for bankruptcy is seen by many seniors as a social [...]

  • Bank of America tries to bully a bankruptcy judge, ignoring the consequences of illegal acts, but the judge is not standing for it. October 19, 2017 – Article posted in Bloomberg.com. Bank of America seems [...]

  • Published On: September 4, 2017

    By Liz Weston NerdWallet.com, Aug 30, 2017 (a summary from South Bend Tribune) Many people believe that hiring a company to settle their debts is better on their credit, will cost them less in the [...]

  • The American Bankruptcy Institute ‘ABI’ released a report addressing the astronomically high failure rate of chapter 13 bankruptcy.  The findings are not surprising for those of us who work in this world, but are shocking [...]