Author Archives for sperling

Avoiding Bankruptcy

March 5, 2019 9:42 am Published by Leave your thoughts

Bankruptcy is never the end of the world. In fact, for many who have been struggling with debt,  it is the start of a new beginning. Medical debt, divorce, or loss of employment can be a harsh blow that can push many to consider bankruptcy. For individuals, Chapters 7 and 13 are viable options to get out from under crushing...


Understanding Non-Discharged Debts

February 21, 2019 9:19 am Published by Leave your thoughts

If you are filing for bankruptcy for the first time, you may be overwhelmed not only with the financial stress of the situation, but also with understanding the lingo and process of filing for bankruptcy. One such term that confuses petitioners is often the phrase “non-discharged debts.” What does this mean and how can it impact your court case? Understanding...


Credit Counseling and Bankruptcy

February 7, 2019 9:18 am Published by Leave your thoughts

Filing for bankruptcy can mean a fresh start and a way out from underneath crushing bills due to a medical emergency, a divorce, or a life event that was unforeseen. It can also mean a time to learn about credit and how to use it wisely. Credit counseling, therefore, is an integral part of both Chapter 7 or Chapter 13...


Should You Declare Bankruptcy?

January 16, 2019 8:41 am Published by Leave your thoughts

Bankruptcy can be a scary idea, especially for people who have never had to consider it in their lifetime. Thankfully, bankruptcy rates are beginning to decline since the collapse of the market when millions of people every year would file. Now, under 800,000 Americans file yearly. This is overall good news. However, with the number still well over a half...


What are your Rights When it Comes to Wage Garnishments?

January 2, 2019 8:40 am Published by Leave your thoughts

You work hard for your money and those paychecks are all-too-important, especially when you are struggling financially. So what happens when your debts cause a wage garnishment? Do you have any rights? Let’s explore closer what a wage garnishment means to your overall financial wellbeing.   What are Wage Garnishments? A wage garnishment is when a court issues an order...


5 Questions to Ask Yourself Before Filing for Bankruptcy

December 19, 2018 8:38 am Published by Leave your thoughts

If you have suffered an overwhelming financial hardship, you may be starting to weigh whether filing for bankruptcy is a viable alternative to the mounting piles of bills or the harassing creditor phone calls. Bankruptcy is a good choice for many who need a fresh start or want to consolidate their bills and be allowed to pay them back over...