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Month: June 2018

Can I Reduce My Part-Time or Overtime Hours Before Filing Bankruptcy?

New York bankruptcy debtors are almost always industrious people, even when they happen to be unemployed. Sometimes, however, they are so industrious that their extra working hours, whether overtime or extra part-time hours, might interfere with their potential bankruptcies. If they file in chapter 7, then they may risk facing (and failing) the means test. …

Can I Reduce My Part-Time or Overtime Hours Before Filing Bankruptcy? Read More »

Does Bankruptcy Affect a Non-Filing Spouse’s Credit?

Sometimes New York bankruptcy debtors don’t file with their spouses, but when they do they (or their spouses) wonder how the bankruptcy will affect their non-filing partner’s access to credit or FICO scores. It’s an understandable sentiment because credit scores are both important and not important: It’s good to have high ones, but one’s life …

Does Bankruptcy Affect a Non-Filing Spouse’s Credit? Read More »

When a Cram-Down Is Not an Option: Giving Up a Car in Chapter 13

For New York bankruptcy debtors, owning a car magnifies the importance of the decision to file in chapter 7 versus chapter 13. In chapter 7, debtors must choose if they will surrender or redeem their vehicles, or if they will reaffirm or simply keep paying their auto loans. Chapter 13 debtors can expect their auto …

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Reason Not to File Chapter 13: Future Improving Financial Conditions

A few months ago I wrote a post explaining why New York bankruptcy debtors should consider the role that future deteriorating financial conditions can play in their decisions to file in chapter 13. The focus of that post was post-petition debt. Today I’m going to discuss the opposite situation: why future improving financial conditions are …

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What Is a ‘Notice of Appearance,’ and Why Am Receiving It?

New York bankruptcy debtors create, receive, or mentally process dozens of different types of documents, and when their cases are complex or involve adversary proceedings, then the amount of paperwork rises even higher. Debtors might be curious about one of the more common documents that appear early in their cases: the “notice of appearance.” What …

What Is a ‘Notice of Appearance,’ and Why Am Receiving It? Read More »

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