Blog Posts in 2016

• Posted By Robert Kovacs 8-Dec-2016

  Bankruptcy or Debt Settlement: Which Is the Better Choice?

  Are you struggling with the choice between bankruptcy or debt settlement? When many people find themselves in a tough financial position, they instinctively want to avoid filing for bankruptcy at all costs. Therefore, they seek out the advice of a ...

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• Posted By Robert Kovacs 17-Nov-2016

  Can a Creditor Collect After Bankruptcy Discharges?

  One of the many common questions asked by clients is, "Can a creditor continue to collect a debt after a successful bankruptcy ?" It is not unheard of for a person to receive collection calls or notices after a bankruptcy, and sometimes ...

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• Posted By Robert Kovacs 3-Nov-2016

  The Interaction of Divorce and Bankruptcy

  Divorce and personal bankruptcy are two of the most emotionally trying events that a person can experience. The federal and state laws that govern both events are designed to provide the best protection for all parties and to make the processes move ...

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• Posted By Robert Kovacs 27-Oct-2016

  Using Chapter 13 bankruptcy to stop foreclosure and pay priority debts

  When people are overwhelmed by their debts, bankruptcy may be a good option. Most individual debtors file for bankruptcy under either Chapter 7 or Chapter 13 of the Bankruptcy Code. Chapter 7 is known as a liquidation bankruptcy, and it is ...

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• Posted By Robert Kovacs 22-Sep-2016

  3 Things to Look for in a Bankruptcy Lawyer

  The right lawyer can ease your fears and anxiety you may be feeling about bankruptcy and ensure that you get the outcome and fresh start you deserve. Choosing the right bankruptcy lawyer is a must if you want to protect your financial future; a ...

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• Posted By The Law Offices of Robert Kovacs 15-Sep-2016

  Chapter 13 Bankruptcy

  Bankruptcy is a process designed to allow an individual who has accumulated far more debt than they can hope to repay a method to resolve their debt, reset their finances, and start over with a clean financial slate. At its heart, the basic tenet on ...

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• Posted By The Law Offices of Robert Kovacs 8-Sep-2016

  Chapter 7 Bankruptcy

  Bankruptcy is a process by which an honest debtor who has accumulated debt far beyond their means to repay can resolve their debt and get a fresh start. The decision to file bankruptcy is never an easy one, but it is one that millions of Americans ...

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• Posted By Robert Kovacs 1-Sep-2016

  How Can a Debt Collector Contact You?

  A debt collector should never work to intentionally annoy or harass you. They are in the business of collecting a debt on behalf of a creditor you owe and failed to pay. However, they are professionals and expected to act as such. You have plenty of ...

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• Posted By Robert Kovacs 25-Aug-2016

  Debt Discharge

  Regardless of what type of bankruptcy you decide to pursue, your ultimate goal is to achieve what is known as debt discharge. Discharge is often the beginning of your new financial future free of your past debts. Bankruptcy cases are normally closed ...

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• Posted By The Law Offices of Robert Kovacs 18-Aug-2016

  Preparing and Filing For Chapter 13 Bankruptcy

  When you file for Chapter 13 bankruptcy, unless the court grants you an extension, you must file a repayment plan with the court with your bankruptcy petition, or withing the 15 days following the date of the petition filing. Your repayment plan must ...

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• Posted By Robert Kovacs 11-Aug-2016

  Signs It Is Time to Consider Bankruptcy

  Debt is definitely something that is stressful. At times, it can be so overwhelming that you simply do not know how you will ever get a handle on it. When you are at this point, it could be time to consider bankruptcy. Naturally, bankruptcy is not ...

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• Posted By Robert Kovacs 4-Aug-2016

  To Escape From Creditor Harassment

  If you’re suffering from constant creditor harassment because you’re behind on your debt, you may consider retaining a bankruptcy lawyer and filing for bankruptcy. While you have the option of advising your creditors to stop contacting ...

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• Posted By Law Offices Of Robert Kovacs 28-Jul-2016

  An Overview of Bankruptcy Letters

  Filing for bankruptcy is a personal matter, and you don't owe anyone any explanation as to why you made this decision. However, there may be a time or two that explaining your reasons to potential lenders are beneficial. Here, our bankruptcy ...

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• Posted By Robert Kovacs 12-Jul-2016

  How a Bankruptcy Lawyer Can Help You Take Back Control of Your Financial Life

  Financial problems can affect each and every aspect of your life. If you feel like you are drowning in debt and collection calls, now is the time to do something about it if you want to reduce stress and focus on a positive financial future. If you ...

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• Posted By Robert Kovacs 30-Jun-2016

  The Benefits of Bankruptcy

  When you’re at a point in your financial life that debt is consuming you, you are faced with some difficult decisions, including whether or not you should file for bankruptcy. It’s not easy to reach that decision, but it may help if you ...

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