Bankruptcy

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, Interesting Legal-Lawyering Stories

New Law Could Allow Student Loans to be Discharged in Bankruptcy

Sen. Dick Durbin has proposed a new bill that has an escape clause for people with student loans that are forced to carry the debt to their graves. 44,000,00 Americans owe on student loans. The amount owed is more than $1.5 trillion. The only kind of dent that exceeds this figure is  credit card debt. The act is supported by…

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Bankruptcy

How to Stop Wage Garnishment

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 attorneys who specialize in bankruptcy, who will use the bankruptcy code to prevent your wages from being taken from you, once and for all. A little known feature of…

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Bankruptcy

How to stop your car from being repossessed

Automobile dealers and lenders like to try and scare people into scrambling to make up behind payments by threatening to repossess a vehicle.  Don’t let yourself be fooled. When you are behind on payments and don’t know how to make them up, filing bankruptcy can give you more time to figure out how to get caught up on your payments. …

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Bankruptcy

How to stop Foreclosure

The attorneys here are WH Law all have families and small children, so we understand the importance a stable home has for a family. Don’t let your concerns about bankruptcy prevent you from keeping your home. Many attorneys don’t understand the ins and outs of the bankruptcy code, but we do. If you are behind on payments on your mortgage,…

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Bankruptcy

How to Stop Creditor Calls and Harassment

Creditor harassment is a major reason people seek bankruptcy assistance. Phone calls at home, work, threatening letters, lawsuits, garnishments, and bank seizures can make your life more difficult than it already is. When the creditor harassment is too much, call an experienced bankruptcy attorney and get some relief! Once you file your bankruptcy petition, all creditor harassment must stop immediately….

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Bankruptcy

How to deal with Credit Card debt

In most cases, if you have already decided to file for bankruptcy, continuing to make credit card payments is a waste of money. So,if you are going to file bankruptcy, then you should probably stop paying your credit cards. But if you are still undecided about bankruptcy or may not file your case for a long time, stopping your credit…

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Bankruptcy

How to deal with medical bills

There’s no such thing as a “medical bankruptcy”. Even though you’re filing a bankruptcy case to get rid of overwhelming medical debt, you won’t be able to limit the case to just outstanding medical bills. The bankruptcy laws are designed to be as fair as possible to the debtor (the person who files the bankruptcy case) and to the creditors….

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Bankruptcy

How to deal with past taxes

If you’re thinking of filing bankruptcy because of heavy tax debts, there are some things you need to know before doing so.  The Bankruptcy Code makes it pretty difficult for you to get your tax debts discharged, because the government’s trying to get paid.  However, it is possible to get some of your tax debts wiped out.  You just have…

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Bankruptcy

What is Exempt in Bankruptcy?

This is question everyone asks and for good reason. Everyone is worried about keeping their property and we don’t blame them. You worked hard for it. Most states require you to use state exemptions when you file for bankruptcy. Arkansas allows you to choose between Arkansas or Federal exemptions. However, you must pick one system or the other (you cannot…

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