Can they arrest you for not paying a bill? Bill collectors are now outsourced globally just like any other customer service. And since they are not in the United States, they are ignoring standard American bill collection laws, procedure, and protections. What are your greatest fears about bill collectors? There are two illegal tactics and…
What does it mean when I tell you Balena Law Firm is paperless and location independent? When you come in for your bankruptcy consultation I instruct you to bring in an armload of documents. The new law requires verification of everything. Even who you are! Many times you express concern over leaving these things with…
Divorce, illness and medical bills, and car accident account for the majority of the reasons people come to my office asking about bankruptcy. I call these the big three of bankruptcy. Each is an upheaval in life for which no one budgets. If you listen to your congressman, or the talking heads on the radio…
Are debts left off included in my Bankruptcy? Clients frequently call me sometime after they file for bankruptcy concerned that they left off a bill or two. Bankruptcy is an incredibly paper intensive proceeding. When you first plan to become a client you are instructed on what to bring to my office to prepare your…
You filed your chapter 7 bankruptcy case. Just after you file for bankruptcy a new bill comes in the mail for a higher amount. Are you responsible for the difference between what you scheduled in the bankruptcy petition and the amount of the new bill? An Elyria bankruptcy client who filed her chapter 7 case…
Can credit repair save me from bankruptcy? We have been conditioned to take responsibility for what we have done. Have you ever heard the old adage, “You made your bed now sleep in it?” How about the Puritan work ethic of hard work and thrift being the path to success? Or lessons from your childhood…