• How To Keep Your Utilities On During Bankruptcy

    • By Brenner Spiller & Archer, LLP

      November 13th, 2019

    Can My Utilities Be Shut Off During Bankruptcy? Not right away, but you need to take steps to make sure your utilities stay on even if you can’t afford to pay your bills. What qualifies as a utility? Gas (Heating and AC) Water Electricity Telephone Cellphone Internet Section 366(a) Protection There’s a part of the [..]

  • How Common Is Bankruptcy?

    • By Brenner Spiller & Archer, LLP

      July 25th, 2019

    Filing for bankruptcy can leave you feeling isolated, but it’s important to know that bankruptcy isn’t rare by any means. Every year in the US, hundreds of thousands (sometimes millions) of people file for bankruptcy. Here’s a quick look at who files and when. Over The Years Since the Bankruptcy Act of 1898, modern bankruptcy [..]

  • My Bonus Check and Filing For Bankruptcy

    • By Brenner Spiller & Archer, LLP

      July 11th, 2019

    Getting a bonus check from your employer for all of your hard work? That’s great! But what happens to your bonus if you file for bankruptcy? It depends on a few things: When you get the bonus If you normally get this bonus every year The type of bankruptcy you file for Where you file [..]

  • Did It Just Become Easier For People With Student Loan Debt To File For Bankruptcy?

    • By Brenner Spiller & Archer, LLP

      May 21st, 2019

    Not all college graduates are as fortunate as this year’s Morehouse College seniors, surprised with the news delivered during billionaire investor Robert F. Smith’s commencement speech that he will be paying off their student loan debt. Smith’s generous gift is estimated at $40 million. That is one (lucky) graduating class of 396 students. Just How [..]

  • The Bankruptcy Means Test – What It Is and How It Impacts Filing

    • By Brenner Spiller & Archer, LLP

      April 9th, 2019

    For the most part, anyone can file for bankruptcy. And when given a choice, many debtors prefer filing Chapter 7 bankruptcy because it discharges most debt, giving them a new and fresh start. However, in order to qualify, a debtor must first meet an income limitation by way of a means test. What is the [..]

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