Oliveros and OBrien PC - Bankruptcy Blog http://www.orbankruptcy.com/blog/ Oliveros and OBrien PC - Bankruptcy Blog en-us http://www.orbankruptcy.com/blog/rss/ Thu, 09 Sep 2010 00:13:41 GMT UGAL 240 Avoid Becoming a (Bankruptcy) Crime Statistic The Bankruptcy Court is not the place to be dishonest. Otherwise you could become the subject of a press release by the U. S. Attorney’s Office, like a recent one titled: “LOCAL BUSINESSMAN ENTERS GUILTY PLEA TO BANKRUPTCY FRAUD.” Although bankruptcy crimes are quite rare and seldom a reason for concern, avoid the risk by being honest and thorough with your bankruptcy attorney and trustee, as well as on all your bankruptcy documents.

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]]> http://www.orbankruptcy.com/blog/avoid-becoming-a-bankruptcy-crime-statistic/ Mon, 06 Sep 2010 15:28:27 GMT http://www.orbankruptcy.com/blog/avoid-becoming-a-bankruptcy-crime-statistic/ How to Protect Myself BEFORE & AFTER My Ex-Spouse Files a Chapter 13 Case Your ex-spouse’s Chapter 13 case can often harm you, but sometimes it can help you. What can you do to reduce the odds that it will hurt and increase the odds that it will help?

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]]> http://www.orbankruptcy.com/blog/how-to-protect-myself-before-and-after-my-ex-spouse-files-a-chapter-13-case/ Mon, 30 Aug 2010 14:59:43 GMT http://www.orbankruptcy.com/blog/how-to-protect-myself-before-and-after-my-ex-spouse-files-a-chapter-13-case/ Good News! Your Ex-Spouse Has Just Filed a Chapter 13 Bankruptcy! If your ex-spouse filed a Chapter 13 case in the bankruptcy court, often it can harm you, even more than if he or she had filed a Chapter 7. But there are many other situations when a Chapter 13 filing doesn’t hurt you, and often can actually help you a lot.  Here are some of those good situations.

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]]> http://www.orbankruptcy.com/blog/good-news-your-ex-spouses-just-filed-a-chapter-13-bankruptcy/ Mon, 23 Aug 2010 15:20:10 GMT http://www.orbankruptcy.com/blog/good-news-your-ex-spouses-just-filed-a-chapter-13-bankruptcy/ My Ex-Spouse’s Just Filed a Chapter 13 Bankruptcy—How Do I Protect My Rights in the Divorce Decree? Your divorce is done but your ex-spouse is either threatening to file or has already filed a Chapter 13 case in the bankruptcy court. You’ve heard that Chapter 13 can hurt you more than a Chapter 7 can? Is that true? And what can you do to protect myself?

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]]> http://www.orbankruptcy.com/blog/my-ex-spouses-just-filed-a-chapter-13-bankruptcywhat-can-i-do-to-protect-my-rights-in-the-divorce-decree/ Mon, 16 Aug 2010 15:02:55 GMT http://www.orbankruptcy.com/blog/my-ex-spouses-just-filed-a-chapter-13-bankruptcywhat-can-i-do-to-protect-my-rights-in-the-divorce-decree/ Advantages of Dealing with Student Loans in Chapter 13 Although at first a Chapter 13 payment plan may not seem to be a good way to deal with student loans, in fact it has a number of important advantages over Chapter 7. This blog outlines those advantages.

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]]> http://www.orbankruptcy.com/blog/advantages-of-dealing-with-student-loans-in-chapter-13/ Mon, 09 Aug 2010 15:32:17 GMT http://www.orbankruptcy.com/blog/advantages-of-dealing-with-student-loans-in-chapter-13/ Non-Bankruptcy Student Loan Discharges You’ve heard that student loans are very difficult to write off (“discharge”) in bankruptcy.  And you’re thinking about filing a bankruptcy but wonder what’s the point if you’ll still owe the student loans afterwards. But did you know that sometimes student loans can be discharged through laws other than bankruptcy?  This can be done only in certain limited circumstances, but they are definitely worth looking into.

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]]> http://www.orbankruptcy.com/blog/non-bankruptcy-student-loan-discharges/ Mon, 02 Aug 2010 15:23:41 GMT http://www.orbankruptcy.com/blog/non-bankruptcy-student-loan-discharges/ Non-Bankruptcy Student Loan Options While in Bankruptcy Even though most student loans cannot be discharged (written-off) in bankruptcy, there are often sensible ways to deal with student loans while filing a bankruptcy for the rest of your debts.  There are many possible options, including “deferments” and “forbearances,” “consolidations,” “statutory discharges” and “cancellations,” “reasonable and affordable payment plans,” and “income-contingent” and “income-sensitive repayment plans.” What are all these and how can they improve my life after bankruptcy?

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]]> http://www.orbankruptcy.com/blog/non-bankruptcy-student-loan-options-while-in-bankruptcy/ Mon, 26 Jul 2010 14:45:15 GMT http://www.orbankruptcy.com/blog/non-bankruptcy-student-loan-options-while-in-bankruptcy/ Student Loans in Bankruptcy Very few student loans can be discharged (written-off) in bankruptcy. It does not matter whether you are filing a case under Chapter 7 or Chapter 13. During the last 25 years, the law has made it more and more difficult to discharge student loans, so now essentially only borrowers in extreme financial hardship are able to do so.

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]]> http://www.orbankruptcy.com/blog/student-loans-in-bankruptcy/ Mon, 19 Jul 2010 15:24:16 GMT http://www.orbankruptcy.com/blog/student-loans-in-bankruptcy/ The Effect of the New Median Family Income Data on Your Chapter 7 Case #2

Whether you can file a Chapter 7 case depends partly on whether your recent income was above or below the “Median Family Income” published by the U.S. Census Bureau. A couple months ago these income benchmarks changed. Because of the ravages of the tough economy, in most parts of the country these “Median Family Income” amounts went down instead of up as they consistently had in the past.  What does that mean for you if I want to file a Chapter 7 case?


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]]> http://www.orbankruptcy.com/blog/the-effect-of-the-new-median-family-income-data--on-your-chapter-7-case-2/ Mon, 12 Jul 2010 15:02:03 GMT http://www.orbankruptcy.com/blog/the-effect-of-the-new-median-family-income-data--on-your-chapter-7-case-2/ Filing a Bankruptcy Instead of Doing a Short Sale Filing the right kind of bankruptcy will often meet your goals better than a short sale of your home.

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]]> http://www.orbankruptcy.com/blog/filing-a-bankruptcy-instead-of-doing-a-short-sale/ Mon, 05 Jul 2010 18:27:41 GMT http://www.orbankruptcy.com/blog/filing-a-bankruptcy-instead-of-doing-a-short-sale/