Bankruptcy

Bankruptcy

How much does a car loan cost? Options in bankruptcy

How Much is that Car Loan is Really Costing?   Transportation is a Necessity   Cars have become a necessity we rely on for our everyday lives.  They are important tools for getting us to and from work, the grocery store, or doctor’s appointments.  Today, most cities are designed to accommodate car travel, making it impractical to travel by more cost-efficient means like subway, bike, scooter, or even…

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Bankruptcy

What is a DSO (Domestic Support Obligation)?

What is a DSO (Domestic Support Obligation)? Section 101(14A) of the Bankruptcy Code defines a domestic support obligation as “a debt that accrues before, on, or after the date of the order for relief . . . including interest that accrues on that debt as provided under applicable non-bankruptcy law . . that is – A.  owed to or recoverable…

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Bankruptcy

Business Payday Loans and How they Work

The Small Business Ray Jones owns a small construction business, Ray’s Remodeling, LLC, which specializes in residential remodeling.  He pays his employees and buys his supplies in cash each month, incurring no trade debt.  Ray becomes sick and is hospitalized for weeks and in recovery for months.  He is not able to work and when he is not able to…

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Bankruptcy

Help! My tax refund is being garnished!

Who can garnish my tax refund? There are four types of debt for which the federal government will withhold your tax refund or send it to one of your creditors. These debts include past-due federal taxes, state income taxes, child support payments and amounts you owe to other federal or state agencies, such as federal student loans or medical debt…

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Bankruptcy

Bankruptcy Means Test | Are You Eligible?

The “Means Test” what does it all mean? The bankruptcy means test is used decide to see who is eligible for a Chapter 7 bankruptcy. People often are worried about the means test, but it is not as bad as it seems. If you make less than the median income for the state, here is a link to the numbers,…

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Bankruptcy

Bankruptcy Discharge: What Is It and When Does It Happen?

At the end of your bankruptcy, you get a discharge – a court order that relieves you from your obligation to pay your debts. You get a discharge at the end of your Chapter 7 or Chapter 13 bankruptcy only after completing all of the requirements for your case. The benefit of a discharge is that your creditor can never…

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Bankruptcy

Bankruptcy, Debt Settlement, or Debt Consolidation? Is There a Difference?

If you’re falling behind on debt payments, two of the options you can explore are bankruptcy and debt consolidation. So how will you know which is right for your situation? First, some definitions: • Bankruptcy: The legal process of eliminating or reducing the amount of debt owed under the United States Bankruptcy code. • Debt Settlement: Debt settlement is the…

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Bankruptcy

Bankruptcy and Unsecured Debt

Unsecured Debts Debts that are unsecured (e.g. credit cards, medical bills, etc.) are those which are not secured (secured means if you do not pay, the can repo or foreclose, e.g cars, house, etc.) anything you own. The creditor does not have a right to repossess anything if you don’t pay the debt. In general, it’s easier to deal with…

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Bankruptcy

How to Stop Wage Garnishment in Arkansas

If your wages are currently being garnished, or if you are in danger of having them garnished, the attorneys at wh Law | We Help can stop the process.  We have a bankruptcy lawyer in North Little Rock who will use the bankruptcy code to prevent your wages from being taken from you, once and for all. A little known…

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