RGG Law, Client Confidentiality, and Modern Technology

AdminBankruptcy Law, Social Security Disability

Confidential Communication

Maintaining the confidences of one’s clients is part of the oath that every attorney takes when admitted to practice law. We, the disability and bankruptcy lawyers at RRG Law, consider this one of our highest ethical duties. However, unintentionally, many clients, of RGG Law or other law firms, end up compromising their own confidential communications with their attorneys. Once such … Read More

Filing Bankruptcy after Preferential Payments

AdminBankruptcy Law

Preferential Payment

Most people filing bankruptcy have certain obligations they would rather pay such as loans to family and friends before paying their other debts. But if a preferred creditor is paid back with money or property prior to filing bankruptcy it may be considered a preferential debt payment or transfer. The Bankruptcy Court has the power to undo the preferential payment … Read More

How Filing Bankruptcy Can Discharge Some Tax Debts

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Disability Attorney - On the Docket

Ordinarily, tax debts are not discharged or cancelled after filing bankruptcy. There is a possible exception in regards to certain federal tax debts. Generally speaking, it is important to have all the facts about the specific debt before determining if Federal Income Tax is dischargeable. It’s also important to determine time periods which make tax debt dischargeable by filing bankruptcy. … Read More

Payday Loan Regulations Could Result in Less People Filing Bankruptcy

AdminBankruptcy Law

payday loan regulations

According to reports from Reuters published in Consumer Bankruptcy News on March 26, 2015, the United States Consumer Financial Protection Bureau (CFPB)  has outlined new plans to crack down on the payday lending industry with a goal of ensuring that borrowers have a reasonable chance to repay their loans. The framework is considered a key step toward new rules for … Read More

Number of People Filing Bankruptcy in Fall of 2015

AdminBankruptcy Law

Disability Attorney - On the Docket

The number of people filing bankruptcy fell 15% in the first quarter of 2015 compared to the same time period of 2014, according to the American Bankruptcy Institute. The amount of people filing bankruptcy totaled 205,705 in the first quarter compared to 231,829 filings in the first quarter of 2014. Of this number, 198,313 consumers filed personal bankruptcy which represents … Read More

Tips for Filing Bankruptcy: Beware of Credit Repair Scams

AdminBankruptcy Law

credit repair scam

Those with challenging financial problems are often targeted by scam artists and fraudsters posing as legitimate credit repair companies or credit counseling organizations. Sometimes it’s important when deciding on filing bankruptcy to check your credit score. While there are legitimate groups out there who do actually help troubled debtors, you must be wary. Indeed, in a recent case the con … Read More

After Filing Bankruptcy: Creditors Who Violate Bankruptcy Stay

AdminBankruptcy Law

bankruptcy stay

When a person finishes filing bankruptcy, the Court ordinarily mails notices to all creditors ordering them to cease all debt collection activity. This Order, known as the Automatic Stay, applies to collection letters, telephone calls, scheduled foreclosures, repossessions, action on pending lawsuits, execution of judgments (including garnishments) and a wide variety of other creditor conduct. While it is possible for … Read More

Filing Bankruptcy Without Full Disclosure

AdminBankruptcy Law

non-disclosure bankruptcy

One of the bedrock requirements of bankruptcy law is that any debtor filing for relief must make a complete and accurate disclosure of their financial affairs at the time of filing bankruptcy. This applies both to information provided on the required schedules and documents filed in a bankruptcy case and to answers to questions asked by the trustee assigned to … Read More

Bankruptcy Law Buzzwords Defined

AdminBankruptcy Law

bankruptcy definitions

As with any area of law, bankruptcy law has its own buzzwords used by judges and lawyers that may not make sense to clients. While some bankruptcy law buzzwords may be easy to figure out, it does not hurt to have a cheat sheet. Bankruptcy Law Cheat Sheet 341 Meeting: Also known as a Trustee Meeting or Meeting of Creditors, … Read More

Credit Counseling Needed Before Filing Bankruptcy

AdminBankruptcy Law

credit counseling

In 2005, the United States Congress made significant amendments to the U.S. Bankruptcy Code with a new law called the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). One of the many changes to the law was the addition of a credit counseling requirement for all persons filing bankruptcy, specifically Chapter 7 bankruptcy or Chapter 13 bankruptcy. The credit counseling … Read More