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When I was a young kid, every Christmas, Coke would put out a commercial where people would all gather and sing a song of happiness and togetherness. That is the image I always have when potential clients ask me if bankruptcy is the end of the world. They will ask if they will have good credit again, if they can buy a new car, or if they can buy a new home. I know they struggle believing that they will get their credit back very quickly ...

On May 13, 2021, the CDC issued new COVID mask guidance. The announcement allows for fully vaccinated Americans to go without a mask. The statement by the CDC states that if fully vaccinated, you do not have to wear a mask at most indoor and outdoor locations and removes the social distancing rules.

There are many hidden benefits to filing a chapter 13. One of the benefits that can really make a chapter 13 a beneficial option is the cram down. A cramdown is a way to pay for the value of a vehicle ONLY. A debtor does not have to pay the entire loan, but just the actual value.

For anyone to truly understand and appreciate the value bankruptcy brings to society and to the debtors who file for bankruptcy protection, you need to understand the history of bankruptcy. Through the years, declaring bankruptcy has taken different forms and methods – including depictions in the media. While not all-together accurate, media depictions like Michael Scott’s declaration in The Office bring humor to the bankruptcy process.