201504.07
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Student loans for Prisoners and the Dead

Can you believe it Student loans for Prisoners and the Dead. Department of Education gives student loans to convicts while in prison or gives out loans to people pretending to be these convicts. A client of mine is unable to read or write effectively. He was incarcerated in Kentucky on or about 1-13-1987 for Assault 1 to serve a 10…

201503.28
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Filing Bankruptcy Pro Se

When a debtor files a case without an attorney they think their case is simple and all they have to do is to fill out the forms to do it themselves and save the cost. The problem is, it isn’t simple. When the law changed in 2005 over half of the attorneys who filed bankruptcy cases quit because…

201411.03
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Medical Debt and Bankruptcy

If you have medical insurance you probably feel secure. But if you spent a month in the hospital you will have to pay the medical debt from a deductible and the copay’s. For most Kentucky residents this means bankruptcy. The hospital will often sue over the medical debt if it is not paid. Medical debt collectors normally…

201410.26
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Senior Citizens Social Security Student Loan Garnishments

In 2005, older adults owed $2.8 Billion in federal student debt. In 2013, this increased to over $18 Billion, according to the Government Accountability Office (GAO) in 706,000 households compared to 22 million households with the remaining student load debt. People over 65 left on social security default their student loan debt at a much higher rate. Although other debts like income taxes…

201410.22
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2014 Still Having a Bankrupt Economy

Written October 22, 2014 According to the news these are 15 facts in case you think the economy is getting better. Obviously we have not seen the bottom yet. We are continuing to have a bankrupt economy full of consumer bankruptcy cases. After accounting for inflation, median household income in the United States is 8…

201408.25
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Bankruptcy Time Limits and Filing Periods

Timing when to file bankruptcy is everything. It hurts a lot less if you know what to do.  It is a lot less stressful if you know what you are doing and what is happening. File too early and you may not discharge certain debts like an income tax or some student loan debts. Wait too long and the…