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Bankruptcy Tips and Advice - Blogs

Bankruptcy as a solution to a wage garnishment.

Posted by Brian Hallaq | Feb 21, 2022 | 0 Comments

Many people come to my office after having suffered through one, two, or even three garnishments. The truth is that the vast majority of people would prefer to pay their bills instead of filing for Bankruptcy. Therefore, despite how disruptive a wage garnishment can be, many people accept the gar...

Court is coming back…time to put the suit back on.

Posted by Diem Hallaq | Aug 11, 2021 | 0 Comments

I think that we can all agree that the pandemic has been an awful experience. Besides the serious life & death issues, we have all had to deal with serious complications to our daily lives, such as kids not being able to go to school, business closures, masks, and product shortages. Notwithstan...

Why You Need to Understand What Inflation Is

Posted by Diem Hallaq | Jun 17, 2021 | 0 Comments

Unless you are old enough to remember the economics of the 1970's, inflation might seem like a nerdy term that really has no relevance to your life. This is why you need to understand how inflation affects your life and what adjustments you may need to make as a result. Imagine that one day, yo...

Why Waiting To Work Might Be A Mistake.

Posted by Diem Hallaq | Jun 03, 2021 | 0 Comments

As we are coming out of our Covid downtime many people have serious decisions to make. Life returning to normal means that many of the moratoriums will be coming to an end, student loans will soon become due, forbearances will end, evictions and foreclosures will start again, and choices will hav...

As The World Re-Opens, So Do Collection Agencies

Posted by Diem Hallaq | Mar 09, 2021 | 0 Comments

Let's face it…this has been an unprecedented 12 months. From March 2020 to March 2021, the world as we knew it changed because of the Corona virus. Amongst the mask mandates, business shut-downs, and school closures, there were a host of Federal and State moratoriums on collection activity, inc...

Having Car Problems? Yes, you do have options.

Posted by Diem Hallaq | Jan 22, 2021 | 0 Comments

So when you file a Chapter 7 Bankruptcy, your options related to a car are generally limited, as opposed to a Ch. 13 where we can in many cases, cure delinquencies, lower your interest rate, or even reduce the balance on the vehicle loan. Unfortunately, all of those options in a Ch. 13 come wit...

Prioritize Your Finances & Bankruptcy Planning

Posted by Diem Hallaq | Jan 07, 2021 | 0 Comments

Hi Folks, Brian here. I hope you are having a Happy New Year. Changes are certainly coming to 2021, and not all of them are good. As we start to recover from the Covid-19 pandemic, which may still be many months away, we will have to reckon with the economic damage that has been done. Many peop...

Changes in Bankruptcy Filings during Pandemic – Part 2

Posted by Diem Hallaq | Dec 30, 2020 | 0 Comments

Hi Folks, In my last post I talked about the changes that we have seen to the Bankruptcy process because of the Covid-19 pandemic. Clerk's offices and Judge's Chambers are harder to get information from, and trying to navigate complex court processes just over the phone can be challenging. I...

Representing yourself in front of a Bankruptcy Judge

Posted by Diem Hallaq | Dec 21, 2020 | 0 Comments

Once upon a time, Abraham Lincoln, who was a talented attorney, is credited as saying “he who represents himself has a fool for a client.”  When you represent yourself, we call it being “pro se”, which is Latin for “in one's own behalf”, and in fact, our American legal system has a very long trad...


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

Hi Folks, So with all of the economic uncertainty, for people who have been in long standing 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 house w...


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 the end of the year (Dece...


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, wh...


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 ...

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