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Author Archives: LPM Dev

Alternatives To Filing Bankruptcy

An Alternative To Filing Bankruptcy: Use Cash Savings

Nobody wants to file bankruptcy unless it is their last option.  In my office, I have every client sign a paper indicating that they believe that bankruptcy is their last option. Below are some ways to handle debt problems that do not involve bankruptcy.  Whenever you look at your options, be sure you look at […]

Alternatives To Filing Bankruptcy
Debt Settlement

An Alternative To Filing Bankruptcy: Debt Settlement

Nobody wants to file bankruptcy unless it is their last option.  In my office, I have every client sign a paper indicating that they believe that bankruptcy is their last option. Whenever you look at your options, be sure you look at all of your options, including ones you don’t think you’d like, then pick […]

Harris v Viegelahn, Chapter 13 Trustee

Harris v. Viegelahn

On May 18, 2015, the US Supreme Court decided Harris v. Viegelahn, No. 14-400.   Here is a copy of the opinion:  www.supremecourt.gov The issue was whether the debtor was entitled to a refund of money held by the Trustee at the time a Chapter 13 case is converted to a Chapter 7 case.  The Supreme […]

An Alternative To Filing Bankruptcy: Debt Management Plan

An Alternative To Filing Bankruptcy: Debt Management Plan

Nobody wants to file bankruptcy unless it is their last option.  In my office, I have every client sign a paper indicating that they believe that bankruptcy is their last option. Whenever you look at your options, be sure you look at all of your options, including ones you don’t think you’d like, then pick […]

Will I Have To Go To Court If I File Bankruptcy?

Will I Have To Go To Court If I File Bankruptcy?

This is a very common question, and in 99% of cases, my clients only have to go to a proceeding called the §341 Meeting Of Creditors, which I call the “meeting with the Trustee.” The meeting is conducted by the trustee assigned to your case, and I will be present with you at the meeting.  […]

Home Equity Loan Regret

Home Equity Loan Regret

A Client’s Story I had an Initial Consultation with an older person that was having trouble paying for his home equity loan.  Why?  Because his health and income changed over the life of the home equity loan. In order to make ends meet and stay in his house, he is having get his sons to […]

The Dangers Of A Home Equity Loan

The Dangers Of A Home Equity Loan

DON’T GET A HOME EQUITY LOAN TO PAY BILLS! You Can’t Borrow Your Way Out Of Debt. And, Your Home Is Not An ATM Machine. Every month I see people losing their home to foreclosure because they’re having trouble paying for their home equity that they got just to pay bills.  The worst part about […]

An Alternative To Filing Bankruptcy: Keep Doing The Same Thing

Nobody wants to file bankruptcy unless it is their last option.  In my office, I have every client sign a paper indicating that they believe that bankruptcy is their last option. Whenever you look at your options, be sure you look at all of your options, including ones you don’t think you’d like, then pick […]

How To Fight A Credit Card Lawsuit

How To Fight A Credit Card Lawsuit

Once you have been served with a credit card lawsuit, you typically have five options to choose from: Do Nothing.  I had lunch with a County Court at Law judge who told me that about 95% of the credit card lawsuits filed in his court are won by the debt collector because the person being […]

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