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How Long Does Bankruptcy Affect your Credit?

  • Posted by Alexander Nesson
  • On March 30, 2012
         A lot of people think that if you file a Chapter 7 Bankruptcy that it will automatically ruin your credit for 7 years.  This is not true.  Generally, a Chapter 7 will only affect your credit for 1 year and after that, if you are doing what you need to do you can be […]
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What are Some of the Advantages of Filing a Chapter 13?

  • Posted by Alexander Nesson
  • On March 29, 2012
            Generally, people want to file a Chapter 7 because it is simpler and less expensive and gets rid of the debt immediately.  However, one real advantage to a Chapter 13 is if you are behind on a secured loans; particularly, such as a house or a car loan, that you can catch up with […]
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The Cost of Chapter 7 Bankruptcy

  • Posted by Alexander Nesson
  • On March 26, 2012
           Generally, most attorneys will give you a flat fee that either adds on or includes a $306.00 filing fee that the attorneys would pay for with their credit card.  Chapter 7 Bankruptcies range in terms of, if it is a Joint Petition or Individual Petition and how many creditors and what the involvement is and […]
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Bankruptcy and Trying to Rebuild Your Credit

  • Posted by Alexander Nesson
  • On March 23, 2012
There are certainly advantages and disadvantages to filing Bankruptcy.  Most people that are considering filing for Bankruptcy have issues with their credit and credit scores already.  One of the things about a Bankruptcy is that it gets rid of the debt in the Chapter 7 in approximately 3 to 4 months and you have that […]
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Under A Chapter 13 Bankruptcy

  • Posted by Alexander Nesson
  • On March 21, 2012
Under a Chapter 13 Bankruptcy, it is different than a simple Chapter 7 Bankruptcy.  However, Chapter 13 does allow you to get rid of debts like medical bills, bank loans, credit cards and loans, finance company loans.  However, instead of getting rid of it immediately, like it occurs in a Chapter 7, you have to […]
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Chapter 7 Bankruptcies and Stopping Lawsuits, Phone Calls and Letters from Creditors.

  • Posted by Alexander Nesson
  • On March 19, 2012
One of the real advantages of a Bankruptcy is that there is something called an “Automatic Stay,” and what that means is that once you have filed for Bankruptcy you get that Bankruptcy protection; which says that creditors cannot call you, they cannot send you letters and they cannot communicate with you unless they have […]
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Chapter 7 Bankruptcy and Being Able to Protect Property That You Want to Keep.

  • Posted by Alexander Nesson
  • On March 15, 2012
          Most of the time in Chapter 7 Bankruptcies, they are over 90% of no asset cases.  What that means is that there are a lot of exemptions, and they are either under the state or federal exemptions, which basically allows people to keep the variety of property that they have.  In Massachusetts, it has […]
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Chapter 7 Bankruptcy and Permanently Getting Rid of Certain Debt

  • Posted by Alexander Nesson
  • On March 12, 2012
Chapter 7 Bankruptcy is one of the few avenues that you can permanently get rid of most forms of unsecured debt.  Unsecured debt includes credit card bills, medical bills, bank loans, finance loans and credit union loans; also it can potentially help you get rid of debt from failed businesses, personal guarantees and also help […]
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Tips for Depositions

  • Posted by Alexander Nesson
  • On February 27, 2012
The American Bar Association provides tips which are very useful if you are facing a deposition.  The first one is the most important is to tell the truth. Second, is to listen very well to the question. If you need to pause and think as long as necessary before answering and make sure that you […]
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What is a CHINS Case?

  • Posted by Alexander Nesson
  • On February 24, 2012
          A CHINS stands for a Child In Need of Services and in Massachusetts there are 4 types of CHINS. Two types deal with home based issues.  One of them is a Stubborn child, which means that the child does not obey the lawful commands of the parent.  The second one is a CHINS Runaway, […]
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