Will Bankruptcy Stop You From Getting a Job?

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The credit and collections industry has done so much fearmongering about bankruptcy that it’s not unreasonable for you to worry about how it might impact literally every aspect of your life. This includes your ability to make a living. Fortunately, by law bankruptcy can only impact most people’s job prospects so much. Your Current Job…

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What to Expect After Your Bankruptcy Discharge

Here on this website we talk a great deal about what will happen during the bankruptcy process. Yet we have observed many of our clients have some anxiety about what happens after the case is done. So we thought we’d take a few minutes to discuss what comes next, as well as what your next…

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How to Prepare For Your Free Bankruptcy Consultation

Here at Haysom Law we offer a free consultation to clients who are contemplating bankruptcy. We wanted to give you some guidelines on how best to prepare for that consultation, what you should be asking, and what factors might impact your bankruptcy case. Use this step by step guide to make your meeting as productive…

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Are You Languishing in the Pre-Bankruptcy “Sweatbox?”

Most people wait too long to file for bankruptcy. They struggle for many years to pay off or pay down their debt. As they do, they don’t make much progress on fixing their credit reports but they do increase the bottom line of predatory lending companies by giving them the power to charge high interest…

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What is it Like to Live on a Chapter 13 Budget?

Inviting the court to have a say in your personal and financial life is definitely scary, and many of our clients come to us feeling a little bit reluctant to enter into a relationship with a Chapter 13 trustee. Yet among those who file for bankruptcy not everyone will meet the rather rigid requirements of…

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5 Bad Ways to Manage Bad Debt

If you’re drowning in credit card and collection debt you can’t be blamed for being stressed out. There are plenty of institutions, companies, and people who will happily take advantage of that stress by urging you to take actions which will not serve you. Here are a few of those actions, and why you should…

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Can I Keep My Rental Property in a New York Bankruptcy?

Even small business owners and property owners run into financial trouble sometimes. Your rental property is a big investment and maybe even a big part of your income. Can you keep it? Of course, the answer is, “it depends.” Your rental property may be exempt. In a Chapter 7 bankruptcy we can avoid having your…

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What to Do if You Can’t Afford Bankruptcy in New York

Some people do not file for bankruptcy because they feel they cannot afford to do so. After all, bankruptcy comes both with court fees and with legal fees. When they’re added all together those numbers can be very intimidating, especially for people who are already in a state of financial distress. Yet if you do…

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