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Monthly Archives: December 2006



By Jay S. Fleischman, Esq.
Geographer Warren Bland has chosen the top 10 value towns for retirees, and the list is pretty informative. The top of his list? Hot Springs, Arkansas where single-family houses from 1,600 to 2,100 square feet average $135,000 to $225,000, according to Hot Springs-based Coldwell Banker Alliance Realty statistics.To rank […]



By Jay S. Fleischman, Esq.
You go through a bankruptcy case - Chapter 7, Chapter 13, it doesn’t matter which - and come out the other side of the case. You didn’t reaffirm your mortgage, and have opted to continue making payments.
A little while down the road, you miss a few payments. The mortgage […]



By Jay S. Fleischman, Esq.
Did you know that your credit report is used for more than just applying for a credit card, home loan or car loan? That’s right, your credit report is routinely checked by automobile insurance companies when you apply for a policy or renew an existing one.
Apparently insurance companies believe that […]



Consumer bankruptcy cases are not litigation. Read that a few times, and let it sink in.
The truth is that consumer Chapter 7 and Chapter 13 bankruptcy is largely an administrative matter. Sure, bankruptcy cases are filed in the U.S. Bankruptcy Court but that’s pretty much where the court-part ends. In a standard […]