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Michigan Bankruptcy Blog

Bankruptcy Blog From Niles Bankruptcy Lawyer

Consumer Financial Protection Bureau Settles Lawsuit Against Freedom Debt Relief

Many of my clients in the Niles, Cassopolis, Dowagiac area try to avoid chapter 7 or chapter 13 bankruptcy by first engaging with companies to negotiate or settle their debts. Frequently, the company they use is Freedom Debt Relief. Normally, these people could have saved themselves money if they filed the bankruptcy from the beginning instead, so I don’t typically recommend these companies. Freedom Debt Relief is a very popular debt settlement company. Unfortunately for it, Freedom Debt Relief just entered into a settlement for itself.

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Jeremy Iskin
Loans From Family While In Chapter 13 Bankruptcy

People in chapter 13 bankruptcy often struggle to make ends meet, especially for my clients in southwest Michigan. Living pay check to pay check doesn’t leave much room to cover unexpected expenses when things break down around the house or with the car. Often times, people will turn to the only place they can, reliable family members, to pay to fix the car or air conditioner or whatever the case may be.

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Jeremy Iskin
Post Petition Mortgage Fees In Chapter 13 Bankruptcy

I filed bankruptcy to get out of debt. Now I find out I am further behind! 

That is something no one in bankruptcy wants to say, and something no attorney wants to hear, especially for me in beautiful Berrien County, Michigan. Unfortunately, the truth is, adding fees to a mortgage account in bankruptcy is just another way the mortgage company gets you.

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Jeremy Iskin
Can Bankruptcy Save My Home From Foreclosure?

Can bankruptcy save my home? Many homeowners ask Michigan bankruptcy lawyers this question every day. Job loss, divorce, and death in the family, these are just some reasons why someone might fall behind on house payments. And, yes, bankruptcy can help save your home. But you have to be able to afford it.

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Jeremy Iskin
I didn't list a creditor in my bankruptcy. Is it discharged?

As a southwest Michigan bankruptcy attorney, my clients look to me to answer all of their debt related questions. Not infrequently, after a bankruptcy is discharged, clients tell me they received a bill from a creditor or debt collection company that my client didn’t know about, and, therefore, wasn’t listed in the bankruptcy. This is obviously very alarming, as people file bankruptcy for a fresh start, to avoid getting pinned down by old debts. Clients ask me if this unknown debt can be added to the bankruptcy.

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Jeremy Iskin
Tax Season Tip From Niles, MI Bankruptcy Attorney

In the beginning of the year, a tax refund is often a long awaited help to the financially distressed.  It is no different here in Berrien County, Michigan for those thinking of filing bankruptcy.  Often times, people rely on loans from mom or dad to help them pay the bills during the year.  This tax refund is considered a way to repay mom and dad for their help.  What could be wrong with that?

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Jeremy Iskin
Annual Request for Mortgage Statement in Chapter 13 Bankruptcy

Your chapter 13 bankruptcy case in the Kalamazoo, Michigan area will be assigned to one of two administrative trustees. One of these Chapter 13 trustees recently started requesting debtors with direct pay mortgages, that is mortgages paid by the debtor, rather than the trustee, provide a copy of the mortgage statement annually to see if mortgage payments have fallen behind. Although this may be a little more work for debtors and their attorney, the request is actually for the benefit of the debtors.

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Jeremy Iskin