We Are Open During the Covid-19 Crisis; Consultations will be Conducted by Phone, Bankruptcy Filings can be Completed Remotely


Chapter 13 Bankruptcy & The Co-Debtor Stay – Protecting Cosigners

October 2, 2012

The Co-debtor Stay is a powerful tool available in a chapter 13 bankruptcy.  The co-debtor stay prohibits creditors from pursuing a c0-signer, co-borrower, or co-debtor while the principal debtor is in a chapter 13 bankruptcy case. The impetus behind the Co-Debtor Stay is to protect the principal debtor, who is in a chapter 13 bankruptcy.  This is accomplished…

How to Deal with a Second Mortgage or HELOC – Try Avoiding it in a Chapter 13 Bankruptcy

September 14, 2012

With home values precipitously dropping over the past few years, many people find that their houses are underwater – owing more on the house than the house is actually worth.  Add to this the reality that many people are straddled with more than one mortgage with the addition of a second mortgage or a home-equity line of…

Can Student Loans Go Away in Bankruptcy?

September 14, 2012

Student loans are not dischargeable in bankruptcy unless a debtor can show “undue hardship.” To determine undue hardship, Courts use what is known as the Brunner Test.   To show undue hardship under the Brunner Test:  (1)  the debtor cannot maintain, based on current income and expenses, a “minimal” standard of living for herself and her dependents if…

Will I Lose My House If I File Bankruptcy?

September 13, 2012

The Short Answer: Most Likely Not. If you file bankruptcy, you are allowed to use “exemptions” or laws that protect property.  For your home, you are allowed to take a “homestead exemption.”  The homestead exemption allows an individual to protect $40,000 in equity in a house, or a married couple filing together to protect $50,000. For example, if…


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship.


I am debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.