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Recent Blog Posts

Adopting your Grandchildren

In 2010, more than 7 million children were living with a grandparent, which represents 10 percent of all children in the United States. For a variety of reasons, grandparents might choose to adopt or care for their grandchildren. If you are a grandparent considering adoption, you might have questions about your options. Why adopt my… Read More »

Why a Revocable Living Trust?

You may have heard of a revocable living trust, but you don’t have any idea if you need one or how it differs from a will. A revocable living trust is an estate planning document that you can use to determine who will get your property when you die. “Revocable” means you can change the… Read More »

Pros and Cons: Chapter 13

If you are considering bankruptcy, you may be wondering what is the best option for you—Chapter 7 or Chapter 13? It’s important to first understand the differences between Chapter 7 and Chapter 13 proceedings. In a Chapter 7 bankruptcy, you ask the bankruptcy court to discharge (or get rid of) most of the debts you… Read More »

Loan Modification Scams

If you’re behind on your loan payments, you may receive mailings from companies offering to help consolidate or modify your loan.  While the solicitation often looks official, beware!  These types of offers are often scams. Loan modification scammers prey upon desperate borrowers. The solicitation is often from a company whose name sounds like it is… Read More »

Creditor Harassment: When is it Too Much?

If you’re behind on your payments, a debt collector will be contacting you to collect the debt, possibly by using obscene language or threats towards you.  You might have some questions about your rights and responsibilities when a creditor is contacting you to collect. When can a debt collector contact me? A debt collector cannot… Read More »

Gary Busey and Chapter 7

Chapter 7 bankruptcies are known for discharging (wiping out) the debts of the debtor and giving the debtor a “fresh start.”  So, how in the world did actor Gary Busey go through a Chapter 7 bankruptcy, have his debts discharged, and still end up owing the Internal Revenue Service over $450,000 Busey filed for Chapter… Read More »

Honey, it’s Time to File for Bankruptcy

If you’re spending too much time dealing with harassing creditors, dodging their phone calls and fending off their advances, it’s time you take a serious look at bankruptcy. It could be time for a fresh start. Many Americans consider bankruptcy to be embarrassing–perhaps a sign of weakness, failure, or even immorality.  However, you should know… Read More »

Deed of Trust v. Mortgage

A deed of trust can be used in place of a mortgage in certain states, including Virginia. Here is the low down on how deeds of trusts differ from mortgages. What is a deed of trust? It is a transfer in land by a borrower to a lender to secure the payment of the borrower’s… Read More »

Bankruptcy And Your Future Employment

If you’re considering filing for bankruptcy, you might be worrying about how it will affect your future employment. You may be worried that your current employer will find out about your bankruptcy filing and fire you. You may also be worried that you will never get a job again. While some of your fears may… Read More »

Can My Spouse File For Bankruptcy Without Me?

If your spouse has amassed a great amount of debt, you may be wondering if your spouse can file for bankruptcy and leave you out of it. It’s a good question. The answer is yes, but how effective this process will be depends largely on what state you are in, whether the debt is joint,… Read More »