Stop a Foreclosure in Arkansas: What the Process Is and What to Do

If you are reading this blog post, it is for one of two reasons. Either you are facing foreclosure in Arkansas and want to stop it for any number of reasons or you know someone who is. No matter the...

Bankruptcy | Chapter 13 | Chapter 7   •    Dec 30 2021


How to Stop a Garnishment in Arkansas

No one likes to feel out of control, at the mercy of someone or something else through wage garnishment. Unfortunately, for thousands of workers in the United States, that is the reality of their financial situation. Through an invasive process known as “wage garnishment,” a single creditor may take a large percentage of a person’s paid wages.

Bankruptcy | Chapter 13 | Chapter 7   •    Jul 24 2020


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...

Bankruptcy | Chapter 13 | Chapter 7   •    Mar 18 2020


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...

Bankruptcy | Chapter 13 | Chapter 7   •    Jan 2 2020


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...

Bankruptcy | Chapter 13 | Chapter 7   •    Jul 30 2019


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...

Bankruptcy | Chapter 13 | Chapter 7   •    Jul 23 2019


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...

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...

Bankruptcy | Chapter 13 | Chapter 7   •    Jun 18 2019


Arkansas Bankruptcy Exemptions

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...

Bankruptcy | Chapter 13 | Chapter 7   •    Dec 31 2018


Bankruptcy | Student Loans and other Unforgivable Debts

It's one of the most commonly asked student loan questions: Can you discharge your student loans in bankruptcy? The short answer: normally no, student loans are not dischargeable. Student loans are now the second highest consumer debt category - behind...

Bankruptcy | Chapter 13 | Chapter 7   •    Dec 17 2018