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Filing for Bankruptcy as a Co-Signer

Posted by Diem Hallaq | Sep 14, 2020 | 0 Comments

What happens if I file for Bankruptcy but I co-signed on a loan for someone else? Many of my clients have had a conversation similar to this one. ---------------------------------- Daughter:  Mom, I really need a new car, but I can't get approved for a loan without a co-signer. Mom:  Well, I'...

It May Be Time To Re-Examine Your Chapter 13 Case.

Posted by Diem Hallaq | Aug 19, 2020 | 0 Comments

Hi Folks, So with all of the economic uncertainty, for people who have been in longstanding Chapter 13 cases, it might be a good time to re-examine your circumstances. There are a number of reasons why someone might file for a Ch. 13, such as: I was ineligible for a Ch. 7 at the time. My hous...

STATUTE OF LIMITATIONS ON OLD DEBTS

Posted by Diem Hallaq | Aug 13, 2020 | 0 Comments

Lately, we have had a lot of clients who have receiving wage garnishments for very old debts.  Many of them thought that their debts had passed the statute of limitations and were shocked to see their pay check be hit by a garnishment. Statute of Limitations can be a bit confusing.  First there ...

COVID UPDATE - MORATORIUM ON COLLECTIONS

Posted by Diem Hallaq | Aug 13, 2020 | 0 Comments

So we've been having some people reach out to us about the confusion related to the temporary Covid-19 moratorium on collections. While it is true that many creditors are offering a welcomed short-term forbearance on regular payments, each program is a little different. Some offer 0% interest, w...

COVID UPDATE - STUDENT LOANS

Posted by Diem Hallaq | Aug 13, 2020 | 0 Comments

 Hi Folks,   So there has been a lot of activity over the past few days in Washington DC attempting to bring relief for the American people.   On the issue of student loans, according to Forbes, the President signed an executive order suspending student loan payments through ...

Know Your Rights

Posted by Brian Hallaq | May 04, 2020 | 0 Comments

Hi Folks, Brian here. Here in Washington, our "stay at home" order has been increased to May 31. For most of us that means doing things around the house, lots of TV watching, and (unfortunately) worrying about bills. Every industry has been hit by the response to Covid-19, and debt collectors...

Temporary Moratorium on Garnishments

Posted by Brian Hallaq | Apr 27, 2020 | 0 Comments

Hi Folks, Gov. Inslee announced a suspension of garnishments today. This is great news to the beleaguered people of Washington State. In Washington State when a judgment creditor pursues a garnishment against wages, they can take up to 25% of your take home pay, and 100% of your bank account. Th...

Light at the end of the tunnel.

Posted by Brian Hallaq | Apr 01, 2020 | 0 Comments

Hi Folks, We are clearly in surreal times. Everyone is doing their part to get through this pandemic, but in addition to your health, we have to be prepared to deal with some harsh realities. Bills will still be due. They may get deferred, and it is up to you to verify that a particular credito...

What do I do with a car that I can't afford to keep?

Posted by Brian Hallaq | Mar 23, 2020 | 0 Comments

Hi everyone, As we navigate this new reality, our clients are asking us questions about IF they should consider filing a Bankruptcy. We'd like to share some of this information if anyone out there has the same burning question(s). A recent question: I just bought a new car a few months ago and ...

Dealing with your bills while dealing with Covid-19

Posted by Brian Hallaq | Mar 23, 2020 | 0 Comments

Hi everyone, With all of the concerns about Covid-19, it is important to keep in mind that you have a lot of resources at your disposal that might not be obvious on the surface. A lot of people's lives have been affected by the virus. Restaurants are closing and airlines/travel industry is takin...

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