Cuando alguien se declara en quiebra personal, se le exige que revele todos los bienes, independientemente de si su nombre está en el título. Sucede con bastante frecuencia que el nombre de un deudor no aparece en el título de...
Cuidado con la indulgencia hipotecaria
Recientemente se ha desarrollado una tendencia en la que los prestamistas hipotecarios ofrecen tolerancia a sus préstamos, lo que les permite omitir algunos pagos hipotecarios mensuales. La idea es que, gracias a Covid 19, esto permitirá un respiro durante unos...
September 2, 2020
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Beware the Mortgage Forbearance
A trend has developed recently in which mortgage lenders offer a forbearance to it’s borrows allowing them to miss a few monthly mortgage payments. The idea is that, due to Covid 19, this will allow a reprieve for a few...
September 2, 2020
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Leyes de embargo en Kansas y Missouri
Muchas personas buscan consejo cuando se les amenaza con un embargo de su propiedad. La reposesión ocurre cuando un acreedor garantizado toma una propiedad que es la garantía de un préstamo incumplido. Missouri y Kansas difieren en la ley...
July 13, 2020
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Online Payday Loans
A word to the wise – you use online payday loans at your own risk. Bricks and mortar payday loan companies come with their inherent risks and pitfalls, but online payday loans are a whole separate beast. I have a...
September 23, 2016
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Deed or Deed of Trust?
When I meet with clients for the first time, I almost always ask if they own their house. Sometimes the response is, "No, I'm still paying for it." When that happens, I try to explain to that person the difference...
July 27, 2016
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Bank accounts when filing bankruptcy
If you are preparing to file a bankruptcy case, you will find us reminding you that you must ensure your bank account balances are low. I know that is a “easy” matter for most people – most clients will tell...
July 14, 2016
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Purchasing a car during/after bankruptcy
Often times, our clients are very concerned about how bankruptcy will affect their ability to purchase a car either after a Chapter 7 case or during a Chapter 13 case (generally when their current car "dies" on them). Chapter 7...
July 7, 2016
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Kansas protects your home from creditors – in some cases Missouri does too!
Kansas lets you protect your home from creditors, but in some cases Missouri does too! Many people know that in Kansas, your house is always safe from creditors (other than the IRS and mortgage loans). After all, that's one major...
June 20, 2016
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Needy or Undeserving?
Helping the needy, even when they are “undeserving” By Karen Maxcy Do we help the needy because they are needy, or because they are deserving of our help? Are we more likely to help when the circumstances are compelling to...
June 8, 2016
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