Category Archives: Bankruptcy

  Hello, my name is Joseph Vacek and I'm a bankruptcy attorney here at Bailey & Galyen. Have you recently lost your job or had your hours cut? Are you having creditors harass you by sending you letters and calling you at all times of the … [Read more...]

Hi, I am Ted Machi, of Counsel to Bailey & Galyen, Board Certified in Consumer Bankruptcy Law since 1996. There are five things you should not do if you find yourself in financial straight before seeking legal counsel:  Take out a payday … [Read more...]

Everyone who has ever had a financial goal or dream never started with a plan to file for bankruptcy. But, unfortunate things happen – loss of a job, an illness in the family or divorce. All of these things can affect and impede your financial goals. … [Read more...]

After 18 years practicing bankruptcy law, I am still amazed that clients often do not understand the importance of monthly budgeting. For individuals facing bankruptcy, a solid, realistic monthly budget will usually be the difference between success … [Read more...]

Most people understand that “filing for bankruptcy” means that an individual is seeking a way to try and stop paying their debts. What most do not know is that “filing for bankruptcy” doesn’t always mean not paying your debts. In fact, an individual … [Read more...]

Many debtors considering a bankruptcy filing are worried the impact on their credit rating and about how long the bankruptcy filing will affect their credit. The Fair Credit Report Action, Section 605, prohibits credit agencies from including a … [Read more...]

You may be contemplating the need to file bankruptcy and if you are, get to an experienced attorney’s office FAST! However, if you are not quite sure you want to take that first big step, please consider the following while you are thinking it … [Read more...]

If you have filed bankruptcy in the past and you find yourself in a position where you need to file again, you need expert legal advice to make sure you get it right. Job loss, divorce, medical emergencies, business closing, or other unexpected … [Read more...]

After 18 years practicing bankruptcy law, I am still amazed that clients often do not understand the importance of monthly budgeting. For individuals facing bankruptcy, a solid, realistic monthly budget will usually be the difference between success … [Read more...]

Filing bankruptcy is scary, difficult and not fun. But when it’s time to file, it’s time to file. Ask yourself a few simple questions. First, do you feel out of control regarding your finances? Is this causing you stress and discomfort, or affecting … [Read more...]

If your license has been suspended due to a civil judgment for a car accident and you were responsible for as an uninsured motorist, you may be able to discharge the debt by filing Chapter 7 Bankruptcy and get your license reinstated. Driving with a … [Read more...]

Ah, the sounds, sights, and scents of the season! Christmas time is the time of year when we over eat, over indulge, and often over spend. We are likely to hear the sounds of bells ringing, Christmas songs playing, and people shouting out “Merry … [Read more...]