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Monthly Archives: January 2007



The recent testimony heard by the Senate’s Banking, Housing, and Urban Affairs Committee regarding possible increased regulation of the credit card industry brings back to the forefront the realization that credit cards as never good for you. In spite of what some say, there is no such thing as good debt.
A good credit score […]



Fill out some forms, sign them and send them to court.  Why the heck do you need a lawyer for your bankruptcy case?
In other words - “How do I file for bankruptcy without a lawyer?”
That’s the attitude that a lot of people have.  I know because I see these people in bankruptcy court all the […]



When you file for bankruptcy you are required to provide the trustee with a copy of the tax return you filed for the most recent year in which a tax return was due.   If you file for Chapter 13 you are required to have filed your last four tax returns.

So the question becomes one of […]



I typically put a clause in my Chapter 13 plans that specifically rejects the arbitration provisions contained in any consumer credit agreements.  Today during a hearing on confirmation in the Eastern District of New York I was questioned on the subject; the case trustee didn’t care for the provision, and the judge was curious about […]



A question continually comes up as to whether a debtor is forced to turn to the bankruptcy courts when a creditor violates the Fair Credit Reporting Act with respect to a discharged debt or whether the doors of the District Court remain open.The leading case, cited by virtually every creditor when faced by this question, […]