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 Law Office of Robert L. Firth

How to Stop Wage Garnishment Immediately

Stopping wage garnishment can be stressful for many individuals facing financial challenges. Fortunately, there are several legal avenues to stop wage garnishment, and understanding these options can help you regain control of your finances.
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Law Office of Robert L. Firth 

Will Bankruptcy Discharge My Tax Debt?

Facing tax debt is often enormously stressful, leading many individuals to wonder whether bankruptcy might provide a pathway to relief. The question of whether tax debt can be discharged through bankruptcy is complex, as the answer depends on several factors, including the type of tax debt, how old the debt is, and the type of bankruptcy filed.
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Law Office of Robert L. Firth

The Difference Between Chapter 7 and Chapter 13

The journey toward debt relief hinges on pivotal choices, with two of the most common roads being Chapter 7 and Chapter 13 of the United States Bankruptcy Code. Understanding the ins and outs of each chapter is key for those seeking to chart a course toward financial recovery.
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Law Office of Robert L. Firth

How Bankruptcy Affects Your Spouse

A lot of bankruptcy attorneys advise against filing jointly whenever possible. Doing so shields your spouse’s credit score and can help you re-establish credit by letting your spouse co-sign on new debts.
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Law Office of Robert L. Firth

How Long Does Bankruptcy Appear on a Credit Report?

If you’ve been researching the pros and cons of bankruptcy, you've likely come across the con of how bankruptcy can impact your credit score. Your credit score is a measure of your financial health and ability to manage debt, so understandably, bankruptcy can have a significant impact on it. But exactly how long does bankruptcy stay on your credit report?
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Law Office of Robert L. Firth

Estate Planning and Divorce

Creating a well-detailed estate plan is essential to leave assets for your surviving loved ones and provide instructions concerning how your final affairs should be handled when you’re gone.
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Law Office of Robert L. Firth 

How to Create a Trust for Children with Substance Abuse Problems

Similar to a last will and testament, a trust can designate beneficiaries to receive your assets when you’re gone, but it has several additional benefits. For one, a trust avoids probate court proceedings -- it is private -- by eliminating public hearings or public records. Also, trusts have the flexibility of safeguarding assets when you do not feel confident the child will make wise money decisions.
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Law Office of Robert L. Firth 

Are Heirs Responsible for Their Loved-One’s Debts?

Losing someone close to you is extremely difficult and overwhelming. It's even more stressful when you receive constant calls from creditors regarding the decedent's unpaid debts. Unfortunately, debts are not automatically wiped out when a person dies. With several post-death activities to handle, you may be confused about how to manage your loved one's debts following their passing.
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