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Hartman Bankruptcy Law
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We all hear the radio commercials for "debt relief" or "debt consolidation," right? What's the catch? Can these companies actually reduce or eliminated debts? Unfortunately, most of these companies are simply preying on the most vulnerable and desperate within our society.
https://bayarearestructure.com/debt-relief-scam/


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For anyone already considering a bankruptcy filing, here are the three key ways a chapter 13 filing could alter your vehicle loan, to your advantage:
1) Reduce Interest Rate (to approximately 5%);
2) Extend the Repayment Period To As Much As 5 Years...
[Read the full blog article here]
https://bayarearestructure.com/modify-car-loan-in-chapter-13/


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When a Chapter 11 Business Reorganization Is Most Valuable to a Business. 

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The insane statistics on student loan debt: 43% of borrowers are not making required payments? Total student loan debt: ~$1.3 trillion!

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When suffering under the burden of insurmountable student loans, a long-term strategy is key: "Often student loan debts are just one of many obligations. Some of those other debts may well be dischargeable (in full, or in part) in bankruptcy. This means bankruptcy, and bankruptcy planning can be very helpful."

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"Without having filed a lawsuit or obtained a judgment, the federal government can garnish wages, garnish social security or other federal benefits (if for example, you guaranteed your child’s student loans), or seize tax refunds."
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