by scott ciolek | Jul 24, 2013 | Bankruptcy, Wage Garnishment
Are you worried about your social security, disability, or other federal benefits will be garnished? Many federal benefits are exempt from garnishment, including: Social Security Benefits Supplemental Security Income (SSI) Benefits Veterans’ Benefits Civil Service and...
by scott ciolek | Jul 24, 2013 | Bankruptcy
If you don’t pay a debt, a creditor may sue you to collect the amount owed. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you. The...
by scott ciolek | Jun 2, 2013 | Bankruptcy
Understandably, many people are reluctant to file for Bankruptcy. Sometimes bankruptcy is the best options while other times it’s simply not. Our firm is happy to discuss bankruptcy alternatives with you. Every individual and family has a different set of...
by scott ciolek | Mar 31, 2013 | Bankruptcy
The results of your bankruptcy case will be part of your credit record for ten (10) years. The ten years are counted from the date you filed your bankruptcy. This does not mean you can’t get a house, a car, a loan, or a credit card for ten years. In fact, you can...
by scott ciolek | Feb 12, 2013 | Bankruptcy
Beware of Credit Offers Aimed at Recent Bankruptcy Filers “Disguised” Reaffirmation Agreement Carefully read any credit card or other credit offer from a company that claims to represent a lender you listed in your bankruptcy or own a debt you discharged. This may be...
by scott ciolek | Jan 2, 2013 | Bankruptcy
If your credit report still includes the debt you owed the creditor prior to the discharge, this is may be a violation of law. Your credit report should have a balance of zero for any of the debts included in the bankruptcy discharge. The credit report should be...
