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Tag: chapter 13

Homestead in Bankruptcy

Homestead Protection in the Law

Think of “homestead” and you might envision a scenic home representing a historical residence or grand family estate. In the legal world, homestead law protects equity in a home from being taken by creditors. Such protections exist in state law. Nearly every U.S. state has its own homestead statute, designed to […]

Collection Lawsuits & Demands

Collection Lawsuits and Bankruptcy

Collection lawsuits annoy those who receive court papers.  People don’t want to get in debt.  The time, energy and cost of answering court papers can boggle the mind. When one of your creditors sues you in small claims court or any other court you must appear and you must file […]

Bankruptcy Notice

Suggestion of Bankruptcy

A Suggestion of Bankruptcy is a document filed in court giving notice that one of the parties in a pending case has filed bankruptcy.  If the party is a defendant the filing stops the case by virtue of the automatic stay of bankruptcy.  However the document can also be filed […]

Bankruptcy Exemptions

Bankruptcy Exemptions: Why You Need Them

Like an iron gate protecting an entrance, bankruptcy exemptions protect a debtor’s property against loss in bankruptcy. Theory of Bankruptcy Exemptions In the old days when a person filed bankruptcy, the story goes, their property was taken and sold or ‘liquidated’, the proceeds then divided among creditors.  Any remaining debt was then […]

Debt collection and bankruptcy violations

Debt Collectors and Bankruptcy Violations

Debt collectors must stop after a bankruptcy filing or they commit one of several bankruptcy violations.  It doesn’t matter whether it’s a chapter 7, chapter 13 or other chapter.  The filing of a bankruptcy creates what is called an automatic stay. Collection stops because the U.S. Bankruptcy Code imposes the automatic stay with […]

Completing Bankruptcy Schedules

Bankruptcy Schedules Focus on Key Categories of Filer’s Finances

Bankruptcy schedules, filed with the bankruptcy petition, each focus on one aspect of the filer’s personal finances.  There are 10 schedules, each designated with a letter, from A through J. Schedule A – Real Estate Schedule A requires listing of all real estate owned on the date of filing.  This is obvious […]

Bankruptcy Stops Collection

Too Broke To Go Bankrupt

I didn’t make up the title.  Those words headline a CNN Money Magazine article on May 7, 2012. Quoted sources explain how the cost of filing bankruptcy steadily increased after passage of bankruptcy “reform” by the U.S. Congress in 2005.  The so-called “Bankruptcy Abuse Prevention and Consumer Protection Act”, or BAPCPA, […]

Bankruptcy. Moral? Ethical?

Bankruptcy: Moral? Ethical?

Guilt.  Feelings of doing something against core beliefs.  These and other reservations sometimes come up in thinking about filing bankruptcy.  Is it ethical?  Is it moral? Let’s start here: bankruptcy concepts are firmly embedded in the Bible:  “At the end of every seven years you shall grant a release.  And this […]

Bankruptcy

First Meeting With Attorney: Bankruptcy – What To Take

First meeting with attorney:  prior to giving advice a bankruptcy attorney needs facts.  The more facts provided, the better quality the advice.  So, here are some basics: Gather Documents Tuck all bills in a folder.  Many people don’t even like looking at bills.  That’s OK.  Put them in a folder or large envelope and let the attorney do the […]



Attorney Myers is a member of the American Trial Lawyers Association, Massachusetts Academy of Trial Lawyers, and New Hampshire Trial Lawyers Association. The Law Offices of Andrew D. Myers offer a broad range of legal services in personal injury cases in Massachusetts (MA) and New Hampshire (NH) areas.

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