About Me

When Filing Bankruptcy Is the Best Option

Thanks for stopping by my website. My name is John Finley, and I’m 46 years old. A few years ago, my wife and I found ourselves in a financial bind that continued to get worse. No matter how hard we tried to catch up, it seemed that our bills got larger, and we couldn’t keep up. Some of our credit card balances got so high that we couldn’t make the minimum payments. The collection phone calls came often and caused us a great deal of stress. We talked about different ways to get out of debt, but never found one that worked. We were both in agreement that filing bankruptcy was our last option. Well, the time came where we were out of other options and contacted a bankruptcy attorney. I am going to share our experiences with you and hope you find them to be helpful.

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4 Things To Know About Chapter 7 Bankruptcy

Posted on February 24, 2015

If you are having problems paying your debt, you should consider filing for a Chapter 7 bankruptcy. This will help discharge many of the bills that you simply can't pay. You may have lost your job, or you may be going through a divorce that has resulted in a significant decrease in your income. There are specific things you should know if you intend to file for this type of bankruptcy. [Read More]

The Big B And D: When Bankruptcy And Divorce Face Off

Posted on February 21, 2015

As if one major life change was not enough, it is not uncommon for divorce and bankruptcy to fall within the same short time frame. When two people in one household suddenly split into two separate entities, the financial strain can sometimes be too much for one or the other person to handle. Further, divorce sometimes means alimony, child support, and other new expenses that take up a great portion of income that was readily available before the division. [Read More]

Try These Three Tactics Before You File For Bankruptcy

Posted on February 20, 2015

If you have been in debt for a long time, you might be tempted to just throw up your hands and head to bankruptcy court to get a fresh start. But that clean start can end up hurting you in some ways too. You likely won't be able to get another loan for a number of years, and a bankruptcy showing up on your credit report could hurt you during a job search. [Read More]

Going It Alone During Bankruptcy: Four Common Problems When Skipping Representation

Posted on February 17, 2015

Although you don't need an attorney to file for bankruptcy, it's easier to navigate the maze of paperwork and court proceedings with a skilled ally. More than 11 percent of bankruptcies filed in the U.S. are done without the aid of a lawyer, but they can put a strain on the court system due to avoidable filing errors. Before deciding to go for it on your own, consider these common problems of filing on your own first. [Read More]