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Malcolm Ruthven
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Guiding People in Financial Distress through the Complex Arena of Bankruptcy Law
Guiding People in Financial Distress through the Complex Arena of Bankruptcy Law

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Malcolm's posts

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Can you can keep your house and car if you file bankruptcy? The short answer is usually "Yes", if you keep making the payments. Let's look at the longer answer.

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You can file bankruptcy at any time, but you won't get rid of ("discharge") your debts unless you meet the timing rules for multiple bankruptcy filings.

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"My house is about to be foreclosed. Will bankruptcy stop that?" I'm often asked that question. The answer is probably "yes", but let's look at a "no" answer first.

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A study found that the bankruptcy code is an incredibly effective social insurance policy. See more...

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I'm often asked if someone can get rid of payday loans by filing bankruptcy. Let's take a look at this.

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During my first consultation with new people, I explain this very important subject of "exemptions". Let's see what exemptions are and why they're important.

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Some people file bankruptcy without an experienced bankruptcy lawyer. What are they risking? Let's take a good look.

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Clients have told me their mortgage holder wouldn't report their mortgage payments to credit agencies unless they "reaffirmed" the mortgage. What's that about?

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Someone asked for that type recently, saying that's the kind they wanted. Sorry, but there isn't a bankruptcy like that. BUT, read on ...

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Bankruptcy improve your credit score? Are you kidding me? Not at all. Let's take a look at some reasons that filing bankruptcy might improve your credit score.
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