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Richard West Law Office Blog Content

10 Biggest Money Wasters to Avoid

December 8, 2011 | Posted in Bankruptcy

The 10 Biggest Money Wasters You Should Avoid   The spending habits of Americans seem to be thriving even the the economy continues to suffer. The combination of high unemployment numbers, a continuing housing crisis, and unsecured debt amounts that on average continue to climb has not stopped most Americans from spending roughly 15% of […]

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What you can do to avoid “Double Dip’s Problem”

December 8, 2011 | Posted in Bankruptcy

Did The Double Dip Threat Do In Dippin Dots? What About Your Finances?   The top news in 2011 was full of double dip recession talk. This occurs when a recession ends and there is a short period of recovery for the economy, but this recovery is quickly followed by another recession that drags down […]

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Can you pay your creditors after your bankruptcy?

August 30, 2010 | Posted in Debt

You absolutely are able to do this. You may voluntarily pay any debt you wish after a bankruptcy, even if it has been discharged. You are under no obligation to do so, and the creditor can never legally request or force you to pay debts which have been discharged. So, why would you want to […]

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The surprising benefits of bankruptcy

August 28, 2010 | Posted in Bankruptcy

Yesterday I had the occasion to speak with fellow on the telephone. He was taking advantage of a service we offer in our office where we will conduct initial interviews by phone. These interviews are just as complete and thorough as our interviews conducted in the office. The same kind of preparation goes into the […]

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Automatic Stay – How it Protects You

August 27, 2010 | Posted in Bankruptcy

When a bankruptcy case is filed the creditors are instantly stopped from taking, or continuing to take, any action against you. This is called the automatic stay. It is one of the most important elements of a bankruptcy case. After filing, the automatic stay  state prevents creditors from calling you, attempting to collect their debts, […]

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Chapter 13 Payment Plans

August 26, 2010 | Posted in Chapter 13

Consumers today regularly shop for the best bankruptcy attorney. This does not necessarily mean the best price, often meaning the lowest price, for these legal services! Since the bankruptcy law was significantly changed in 2005, attorney fees for bankruptcy services have increased rather significantly. As a result, it is sometimes difficult for someone who needs […]

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Tax Refunds and Bankruptcy

August 25, 2010 | Posted in Taxes

I regularly receive this question: Will the trustee take my tax refund every year?  The answer is, as usual, it depends. So lets take a look at some of the factors that go into answering this question. First, in a Chapter 7, you want to look at what time of the year you filed your […]

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Am I Judgment Proof?

August 15, 2010 | Posted in Bankruptcy Attorney Questions

Dear West Hurley & Malkiewicz, I am considering making an appointment for bankruptcy protection but a friend told me about a program that makes you “judgement proof” if your only income is social security. I’m not sure if I can qualify for that because my husband is still working. (The credit cards I have are […]

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Do I qualify to file bankruptcy?

August 15, 2010 | Posted in Bankruptcy Attorney Questions

Many people wonder if they qualify to file bankruptcy. They know that they are in financial trouble. They know that they cannot pay all of their bills. Their income may have dropped due to job loss or illness. Bankruptcy is an option they are considering. Do they qualify to file, and if so what will […]

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Chapter 13 trustee can suggest ways to save money

August 13, 2010 | Posted in Bankruptcy

Of course, we are all interested in saving money, and in a Chapter 13 plan, you are on a budget.  Of course, we are all on some kind of a budget, but at a 341 meeting yesterday,  in Cincinnati, we were reviewing our budget information with the trustee’s staff attorney and got some very useful […]

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