“What does it cost to file bankruptcy?”  This is perhaps the most consistent question I have been asked as a bankruptcy attorney and rightly so.  Individuals and families considering bankruptcy as an option to get out of debt are struggling financially and cost is a concern. I truly believe that the cost to file bankruptcy is a bargain and an investment in future financial freedom.  When compared to the fees charged by debt settlement companies or monthly interest on accumulated debt, we are sometimes talking a fraction of the cost. With that said, there are some generalizatio ..read more

The way we interact with others and consume information has changed dramatically over the past ten to fifteen years.  It is becoming more and more difficult to tune out unwanted noise and filter information. When we are unsure of something, we look for advice and not surprisingly, people are more than willing to give it.  In fact, the evolution of social media has birthed millions of experts whom you can access with a few simple swipes and touches.     I believe this new digital existence and overconsumption of information is hurting us in many ways.   ..read more

Photo by Jackson David from Pexels I think we all can agree that 2020 has been the most interesting year in recent memory.  While many of us have not come to terms with the “new normal” as it is being called, we have all accepted that student loan debt has become a deeply ingrained part of young American existence.   Most of the statistics are staggering including the fact that Americans owe 1.6 Trillion in outstanding student loan debt.  This amount is more than credit card debt and auto loans and is second only to outstanding mortgage debt.  There are approximately ..read more