- Divorce
- Adoption
- Criminal Defense
- Misdemeanors
- Personal InjuryAlthough debtor representation in chapter 7 & 13 bankruptcy is an emphasis of my practice, a large amount of my practice is also dedicated to civil litigation, criminal defense, personal injury & auto accidents, divorce, custody, adoption, and wills and estate matters. For further details about my practice, please click on the “Areas of Practice” link above.
- Auto Accidents
- Estate Planning
- Wills
- BankruptcyQuite frequently, I hear people say that “I can’t file bankruptcy on my credit cards anymore because they changed the law.” This is not true, bankruptcy law was changed in 2005 to provide for a “means test,” but it affects only a very small percentage of individuals, quite simply, only those who make a pretty substantial income.
- Foreclosure
- Debt CollectionIf you have ever defaulted on a credit card and had the debt “charged off” by the original creditor, you may fall prey to what many refer to as zombie debt. What happens after the debt is charged off by the original creditor is something right out of Night of the Living Dead. The debt is then purchased by debt collectors for pennies on the dollar, with little or no documentation of the debt. The debt collector, who is usually a debt collection law firm, then sends collection letters and uses other collection efforts. Eventually, the debt collector usually files suit and many people assume they have no defense and choose to not defend the case and end up taking a default judgment, which can lead to garnishment of wages and judgment liens being placed on their property. When defended and challenged by an attorney who is knowledgeable in this area of law, the debt collector is usually unable to produce even the most basic documents or evidence to show that they can enforce the debt in a court of law. Apparently, there are also debt collectors who specialize in buying up debts that have been discharged in bankruptcy and then attempt to collect on it from unsophisticated debtors even though this act is clearly a discharge violation under the bankruptcy code and could be pursued by the debtor.