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Law Office of Robert L. Firth March 2, 2015

Doing a “Cramdown” on Collateral Other than Your Vehicle

If you bought something on time, still owe on it, and want to keep it, you may be able to keep it for less money than you owe on it.

Law Office of Robert L. Firth Feb. 23, 2015

How Bankruptcy Helps if You’re Behind on Your Vehicle Loan

Bankruptcy saves your vehicle from immediate repossession. Choose Chapter 7 or 13 depending in part on how far you’re behind in payments.

Law Office of Robert L. Firth Feb. 16, 2015

How Bankruptcy Deals with Your Vehicle Loan if You Want to Keep Your Vehicle

Chapter 7 and Chapter 13 both help you pay your vehicle loan and keep your vehicle, each in their own way.

Law Office of Robert L. Firth Feb. 9, 2015

How Bankruptcy Handles Debts You Want to Pay

Can you favor 1) creditors with collateral you want to keep, 2) creditors you feel loyal to, and 3) creditors with leverage against you?

Law Office of Robert L. Firth Feb. 2, 2015

Although You Can’t Discharge (Write Off) Debts Arising from a Criminal Conviction, Still Consider the Benefits of Bankruptcy

Filing bankruptcy can let you 1) write off debts so you can focus on defense costs, 2) pay your important debts, and 3) avoid related civil liability.

Law Office of Robert L. Firth Jan. 19, 2015

Can You Ever Write Off Child or Spousal Support in Bankruptcy?

You might have heard that you can’t “discharge”—legally write off—child support or spousal support. So can Chapter 7 or 13 ever help?

Law Office of Robert L. Firth Jan. 12, 2015

Can Bankruptcy Get You Out of Student Loans?

To “discharge”–legally write-off—a student loan in bankruptcy you have to show “undue hardship.” What does that take?

Law Office of Robert L. Firth Jan. 5, 2015

The Risks in Discharging Debts for “Luxury Goods or Services” and Cash Advances

If you’ve made certain recent credit card purchases or cash advances, writing off those debts may be challenged in bankruptcy.

Law Office of Robert L. Firth Dec. 29, 2014

Your Attorney Can Usually Tell You Which of Your Debts Will Be Discharged in Bankruptcy

Most of the time we can tell which debts will be legally written off in bankruptcy. There are two exceptions.

Law Office of Robert L. Firth Dec. 15, 2014

The Discharge of Your Debts Under Chapter 7

The primary goal of filing a Chapter 7 “straight bankruptcy” is to “discharge”—legally write off—your debts. So, how does this happen?

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