ARTICLES - The Bill Slayer

What Are Second Mortgages, Judgment Liens And Tax Liens

What Are Second Mortgages, Judgment Liens And Tax Liens In Foreclosure? When foreclosure cases are filed it is common to see defendants other than the property owner. Mortgage companies get title searches before filing a foreclosure. The title search will show entities that have liens on the property. Common additional defendants include junior mortgagees; Judgment […]

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robertadamslaw April 6, 2023

Can I File a Chapter 7 Bankruptcy?

The answer is “Yes.” But the real question is whether a Chapter 7 is in my best interest? The main questions are: The above is very simplified but covers 90% or more of individuals looking to get out of debt. It is always wise to consult with a lawyer who has experience in Consumer Bankruptcy.

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Bankruptcy Chapter 7 Video

robertadamslaw April 6, 2023

How Can A Second Mortgage Be Eliminated?

Through Chapter 13 2nd mortgages can often be eliminated and reduced to an unsecured claim. There are two sections of the Bankruptcy Code that in essence say a junior mortgage is a secured claim only if after deducting all senior liens there is still some equity left for the junior mortgage. If the property has no

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Homeowner Mortgage Video

robertadamslaw April 6, 2023

Repossession

If you default on your car payments, the lender or dealer won’t wait long to repossess. You do not have to just let this happen! Filing for bankruptcy can stop repossession. Even if the “repo man” has already taken your vehicle, there may be a chance to get it back if you act fast. If

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Repossession Video

robertadamslaw April 6, 2023

How Can IRS Tax Liens and Judgment Liens Be Eliminated?

IRS Liens The IRS often files tax liens on property. The lien is extended to all property in the county in which it is filed. The tax lien applies your house and all your personal property. The lien is good for 10 years. There are 2 instances where the tax lien can be avoided in

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IRS

robertadamslaw April 6, 2023

Payday Loans

You probably had little choice when you took out a payday loan. You have bills to pay. Your family needs to eat. You probably knew that the interest rate was very high, but again you didn’t have a lot of options. Now the amount you owe has mushroomed, maybe double or triple of what you

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Loans Payday Video

robertadamslaw April 6, 2023

Who Must Take The Means Test Prior To Filing A Bankruptcy?

All individuals have to take a means test before filing a bankruptcy, and if their income, depending on the number of individuals in the family, exceeds a certain amount, the presumption is they cannot file a chapter 7. However, there are multiple deductions that can be taken from the gross income to show that the

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Means Video

robertadamslaw April 6, 2023

Income Tax Debts

Do your debts include IRS back taxes? If you do nothing, the interest and penalties will continue to pile up. The IRS may even file liens against your assets or prosecute you for tax evasion. Contrary to what most people think, some federal income tax arrears can be discharged in a Chapter 7 or Chapter

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Bankruptcy Income Tax IRS Video

robertadamslaw April 6, 2023

Creditor Harassment

You are doing the best you can, but there isn’t enough money to pay everyone you owe. So you’ve been letting certain bills slide or paying them late. Now the bill collectors are harassing you constantly, demanding money, threatening legal action or even saying that you will be arrested. The Chicago law firm of Robert

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Harassment Video

robertadamslaw April 6, 2023

How to Better Manage Credit Card Debt

Relying on “plastic” can become a problem when credit card balances grow too big or your income shrinks. Perhaps you lost your job or had your hours cut. Maybe you were propping up a small business. Maybe you had a medical crisis or other unexpected bills. Or perhaps you were simply living beyond your means.

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Credit Card Video

robertadamslaw April 6, 2023

What Are Second Mortgages, Judgment Liens And Tax Liens

Can I File a Chapter 7 Bankruptcy?

How Can A Second Mortgage Be Eliminated?

Repossession

How Can IRS Tax Liens and Judgment Liens Be Eliminated?

Payday Loans

Who Must Take The Means Test Prior To Filing A Bankruptcy?

Income Tax Debts

Creditor Harassment

How to Better Manage Credit Card Debt

The information you obtain at this site is not, nor is it intended to be, legal advice.

You should consult an attorney for advice regarding your individual situation.

Contacting us does not create an attorney-client relationship.

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