• Why You Shouldn’t File for Bankruptcy Without an Attorney

    • By Brenner Spiller & Archer, LLP

      March 13th, 2019

    Bankruptcy laws do not require debtors to have an attorney to file for bankruptcy, but is it wise to represent yourself in order to save some money? Some people worry about the cost of an attorney so they take a crack at it alone…but what lurks around the corner for an unrepresented debtor? What can [..]

  • The Automatic Stay: But What If a Creditor Violates This Potent Legal Protection?

    • By Brenner Spiller & Archer, LLP

      February 27th, 2019

    Filing bankruptcy provides several protections to debtors, including the automatic stay. This is an automatic injunction that begins the moment the bankruptcy petition is filed, prohibiting creditors to collect debts from someone who has declared bankruptcy. In addition, an automatic stay immediately stops most civil lawsuits filed against you, prevents the disconnection of water, electric, [..]

  • Seniors Choosing Not to Retire because of Debt Struggles

    • By Brenner Spiller & Archer, LLP

      February 20th, 2019

    This is the first article in a blog series on seniors and retirement. Check out the second blog in this series, “Exploring the Link between Retirement Savings and Continued Employment.” More and more elderly Americans are foregoing retirement and continuing to work as they struggle with debt, according to data released by the US Bureau [..]

  • How Does Bankruptcy Affect Your Credit Score?

    • By Brenner Spiller & Archer, LLP

      February 6th, 2019

    When it comes to your financial future, it is important for you to do what is necessary to ensure that your credit score remains in decent shape. Unfortunately, the realities of life – and a struggling economy – can sometimes get in the way of your aspirations for a good credit score. If you are [..]

  • How To Keep Your Utilities On During Bankruptcy

    • By Brenner Spiller & Archer, LLP

      January 7th, 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 [..]

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