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Bankruptcy, ANXIETY and what to expect

Anxiety and Bankruptcy: Is the Bankruptcy Process as Horrifying as They Say? Anxiety is the worst. I have it. You have it. We all have it to some degree or another and none of us like it too much. Ok, so anxiety has its good quality: it is meant to keep you alive. That is […]

A Zero ($0) Down Chapter 7 bankruptcy is Unethical & Illegal

There is no such thing as a “legal” ZERO ($0) down Chapter 7 bankruptcy BEWARE consumers!  While the economy is in very tough shape and the need to financially protect yourself has never been greater, the truth remains that “Zero Down” Chapter 7 cases are unethical and illegal.  While the vast majority of bankruptcy attorneys […]

When is bankruptcy the right option? | 5 signs

For starters, do we even need to mention that bankruptcy isn’t for everyone? Let’s get this out of the way first:  Nobody wants to file bankruptcy if they don’t have to.  Quite the contrary is true based on my personal observation as a bankruptcy attorney in Omaha for the last 24 plus years.  But, sometimes […]

If bankruptcy is necessary, don’t spend retirement funds first

It’s a hard decision to make:  Do I use my retirement funds and try to avoid bankruptcy, or do I just file bankruptcy to begin with? Author and financial commentator Jane Bryant Quinn addressed this issue with her article in The Daily Beast (a subsidiary of Newsweek magazine) on January 3, 2009.  Quoting from Katie Porter, […]

BEWARE of DIY or national bankruptcy offers on the Internet

Do it yourself bankruptcy companies sell your name and information to the highest bidder! I have been noticing recently that there are a bunch of new names on the Internet offering  a lower cost or “cheap” bankruptcy filing alternative.  One company pitches that you can get a bankruptcy filed with 3 Easy Steps.  Oh, really? […]

When does filing bankruptcy make sense?

The agonizing debate of whether or not to file bankruptcy Should I file bankruptcy?  Is there any other way to settle my debts without filing bankruptcy?  What are the long term affects of bankruptcy?  Or, perhaps the question should be what are the affects of not filing bankruptcy if I know that it is near […]

Dishonest creditors and how they ruin lives

We all know this is happening.  Dishonest creditors that prey on the general public.  Bankruptcy is frequently the end result. Dishonest creditors are rampant.  They have always been around, but now many are trying extra hard to make up for their “lost profits” due to the economy and will pull the most despicable tricks on good and […]

The thought of bankruptcy makes me sick. | Truth versus perception

The agony of contemplating bankruptcy.  Omaha Bankruptcy attorney shares his experiences. Understandably, the thought of filing bankruptcy makes most people very uncomfortable and, for some, physically sick.  Feelings of shame and complete failure are common.  Depression and anxiety are in full swing in many cases.  Even people that seem to have outwardly come to accept […]

Bankruptcy protected single mom with very sick child in Omaha

The following story is true. I met Julie (not her real name) about 15 years ago.  Julie was about 37 years old and she had two children, the youngest of which was 5 years old….a little girl, named Lauren.  Julie set an appointment to meet with me because she had numerous collection agencies calling her […]

Why do people need to file bankruptcy- Perspectives from an Omaha Bankruptcy Lawyer

Why do people need to file bankruptcy and what causes it?  Answer:  Because we need to have a future and we are human. Bankruptcy is about letting bygones be bygones and cutting your losses in order to create a more stable foundation for the future.  Whether unintentional or not, humans are not perfect and we […]

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