Divorce and Bankruptcy

Divorce and Bankruptcy: Divorce is painful and can leave us in financial ruins. We are often clouded with emotion and are unable to make sound financial decisions that will protect us. Make sure to hire someone who is thinking practically and not emotionally. If filing for bankruptcy is necessary, than proper means must be taken [...]

Debt Loves Company

Debt doesn’t just consume one person at a time, in the event there is a co-debtor, (and several of your debts include co-debtors). Also known as co-signors, the people who sign with you on a debt are often family members and the closest friends you have. By signing a legal document guaranteeing that your debt [...]

How To Handle Enormous Debt Load Right After Receiving Your College Degree.

Enormous Debt : More than ever, young adults are being saddled with an enormous amount of debt right after they earn their college degree. They spend the rest of their twenties giving a sizable portion back to the University who just won a bowl game and is hardly hurting for cash. Meanwhile, you're a twenty [...]

What’s the difference between Chapter 7, 11 and 13 of the Bankruptcy Code?

...A commonly asked question. Commonly asked because many are truly unaware of the differences between the two. Chapter 7. Chapter 7 case begins with the debtor filing a petition with the bankruptcy court serving the area where the individual lives or where the business debtor is organized or has its principal place of business or [...]

There Are Strict Laws In Place That Limit What A Creditor Can And Cannot Do When Seizing Your Vehicle

What Rights Do I Have When Facing Vehicle Repossession? Getting behind on your credit card payment can be a hassle but when you go into arrears on your car payment, your life can be drastically interrupted. Whenever you enter into a lease/credit agreement with a finance company, they have the right to recover their property, [...]

Do I Need To Disclose The Auto Loan That I Cosigned For In My Bankruptcy?

When filing for bankruptcy, you are required to report all of your liabilities and assets. An auto loan in which you cosigned for is considered a liability. Even if you do not possess the vehicle and the primary borrower makes all of the necessary payments, you are still liable for the loan. You have to [...]

GREGORY J. WALD, ATTORNEY AT LAW

Gregory J. Wald, Attorney At Law

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