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Form-Garnished Wages

Bankruptcy Can Help You Recover Garnished Wages

By Rounds & Sutter LLP |

Bankruptcy can be a confusing, byzantine process, and without prior knowledge of the system, it’s easy to get overwhelmed and to feel as though the game is rigged against you. With legal help on your side from attorneys who understand this maze of laws and rules, however, bankruptcy can provide you with numerous money-saving benefits… Read More »

Post-it that reads Chapter 13

Surrendering Collateral in a Chapter 13 Bankruptcy

By Rounds & Sutter LLP |

There are numerous reasons why debtors choose to file for bankruptcy under Chapter 13 rather than Chapter 7. You may have done so because you do not meet the income limits to file for Chapter 7, because you own property you wish to keep that would not be covered by a Chapter 7 exemption, or… Read More »

Apartment complex

What Happens to My Apartment Lease if I File for Bankruptcy?

By Rounds & Sutter LLP |

There are many important questions to answer before deciding to file for bankruptcy. If you will be filing for bankruptcy under Chapter 7, you’ll need to make decisions about how bankruptcy could affect your ability to keep assets that are important to you. These assets include any leases you’ve signed, whether for personal property like… Read More »

Judgment Liens

Avoiding a Judgment Lien through Bankruptcy

By Rounds & Sutter LLP |

Among the many reasons to consider filing for bankruptcy sooner rather than later is to avoid letting your unsecured consumer debts become secured. Once unsecured debt becomes secured by a lien, your creditor will become a partial owner of that property, with the potential power to require that your property be sold to satisfy the… Read More »

Debt relief sign

Debt Relief Companies May Not Be Safe Choices

By Rounds & Sutter LLP |

If you’ve been facing mounting consumer debt and are not sure how you’ll find a way out, you may have begun researching ways to reduce the amount of debt you’re facing. You may have come across debt settlement or debt relief companies, touting their ability to reduce your debt so that you ultimately pay only… Read More »

Bag of tax money

Are There Limits on Tax Collection During Your Bankruptcy Proceeding?

By Rounds & Sutter LLP |

As we’ve discussed in prior entries on the blog, when you file for bankruptcy, you will be protected by an automatic stay of collection of your consumer debts. While your case is ongoing, credit card and medical debt holders are not able to contact you about the debts they claim you owe, try to collect… Read More »

FIle-Wage Garnishment

Wage Garnishment: How Does It Work?

By Rounds & Sutter LLP |

You may have been threatened by collections agencies in the past that, if you don’t pay what you owe immediately, they’ll begin to take money straight out of your paycheck. While it is conceivable that your wages could be garnished with funds going to a creditor, this isn’t the whole story on how wages are… Read More »

automatic-stay-files

The Automatic Stay, Explained

By Rounds & Sutter LLP |

One of the most valuable protections afforded to a debtor filing for bankruptcy is the temporary protection from any collection actions known as the automatic stay. Read on to learn more about how the automatic stay functions and what the stay can and cannot do to protect you from financial harm. Automatic stay basics As… Read More »

post-it-that-reads-credit-counseling

The Credit Counseling Requirement Prior to Filing Bankruptcy

By Rounds & Sutter LLP |

Filing for bankruptcy can be an excellent way to help you get a fresh start if you’re facing a serious amount of debt. That said, it’s a serious decision that comes with certain consequences, and it’s important to understand the risks and alternatives before you file. In order to ensure that bankruptcy petitioners understand these… Read More »

House on top of a pile of money

Protecting Home Equity with Chapter 13

By Rounds & Sutter LLP |

If you’re struggling to keep up with mounting consumer debt but own your home, you may be interested in filing for bankruptcy, but concerned about what might happen to your home if you do. There are ways that bankruptcy can protect the equity in your home which you spent years building. Read on to learn… Read More »